Why are all my credit reports showing different scores?

miss_renegade

Hi all,

I've not posted in a while but I'm finding it difficult to understand my many credit reports. I am signed up to noddle, Credit expert and money saving expert's credit club. All 3 are showing different scores. The credit expert (last updated match 7th) shows 313, noddle shows 616 and money saving expert shows 951. The latter two were apparently updated today.
I am currently in dispute with talk mobile regarding some late payment markers they put on my credit file, which could account for the difference, but when I search on the money saving expert one it says that there aren't any changes since my previous report?!
I am very confused as both credit expert and money saving expert use Experian report, but there's a massive difference in the score!

Does anyone have any ideas what is going on at all or come across this with their own report?

Dobbibill

The score is not universal so will always differ.

Lenders never see it - so why would you want to.

Check that all data held is correct eg - DOB, ER, accounts held, dates closed, late payments, CCJs etc etc

And if you are using the free trial with Credit Expert, cancel it before they start debiting £15 a month.

Use Clearscore to check Equifax data and don't pay for the privilege of seeing a score that no-one else sees/cares about.

DCFC79

Unfortunately there's no universal scoring system all 3 agencies use, luckily no 1 but you can see the scores.

sourcrates

All three CRA`s use different scoring techniques, and mark you how they see you, this is only their opinion, and never gets shared with anyone else but you.

Lenders have there own scoring systems which may or may not be similar.