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Experian Credit Score

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  • DCFC79
    DCFC79 Posts: 40,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    What i find amusing about credit scores is that my Barclaycard score is 930, my creditexpert score is 547, and my mse score is 774. All of these are based on Experian - i think as long as the credit report is correct then i don't now worry about what the score is ��

    Exactly, my 3 reports are the same in that they vary, it would be easier if there was just 1 reference agency.
  • vacheron
    vacheron Posts: 2,171 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 10 April 2017 at 9:39AM
    DCFC79 wrote: »
    Exactly, my 3 reports are the same in that they vary, it would be easier if there was just 1 reference agency.

    Exactly. I took this screenshot 3 minutes ago!

    Barclays 999, Credit Club 955 :think:
    • The rich buy assets.
    • The poor only have expenses.
    • The middle class buy liabilities they think are assets.
    Robert T. Kiyosaki
  • The_Boss
    The_Boss Posts: 5,856 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    rubble2 wrote: »
    Don't normally bother with tracking my credit score as I have never to my knowledge had a problem getting credit when needed but I have access to my Experian score as a free service with my Barclaycard Credit card.

    I got an email yesterday saying that my latest Experian score was available on line ( it is updated every 60 days) so curiosity got the better of me and I took a look at it.

    In the last 60 days my score has fallen from 970 to 843, the only activity I can think of that could have affected my score was that I applied for and was accepted for a new Tesco Card with 0% balance transfer offer. Would that in itself have a negative effect on my score? nothing else has happened - no missed/late payments etc.

    As I say, just curious - I have no need for any further credit so it is unlikely to cause me any problems but just wondered why the big drop.

    Thanks

    I think it's because it was a hot day. Such things can affect your Experian "credit score" including what you had for breakfast, what colour underwear you wear that day and depending on how many cups of tea you have.
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