Barclaycard VS MSE Credit Club

KILL_BILL

Barclaycard and MSE credit club both use Experian to produce a credit score

I know that the score is not conclusive evidence - but why is it that there is a difference between the experian via barclaycard to MSE club
one was 685 and the other was 776 - not a huge month but bearing in mind that the scores where produced within 1 day of each other should there be that much of a difference considering there was no credit application etc ?

[Deleted User]

Doesn't really matter. Just ignore both, to keep things fair.

Superscrooge

Barclaycard only update your Experian Score every 60 days, not 30 days. Hence the discrepancy.

Because of this I find some months Barclaycard and MSE credit club give me the same score and some months they are different.

But I just glance at the credit score gyrations for mild amusement. It's the information on your credit files that is important.

MSE_Chris

The first thing to highlight is there isn’t a single universal credit score. Your score will differ across the various agencies and even at a single agency, depending on the information you provide to it.

Experian has a number of different services in place which allow you to view a credit score (Barclaycard/Experian Credit Expert etc). However each work independently of each other asking for slightly different information when you sign-up, so it is entirely possible for your credit score on Credit Club to differ from the score provided to you by Experian elsewhere.

There isn’t the concept of a single score per individual that is returned each time your data is matched at Experian.