Is this even possible?!

bigdavecox90

So....I have an account with Experian Credit Expert.

I recently went through and updated all of the relevant information, which in turn made my credit score increase by 120 points.

My question being, I am now 1 point away from an 'excellent' score.

How on earth do I improve it any further just to gain that excellent status?!

Thanks guys

[Deleted User]

So...

Your score is mostly fictional and entirely meaningless. It'll bounce around as and when it feels like it.

Ignore it like a drunk sat next to you on a bus.

bigdavecox90

Deleted_User wrote: »

So...

Your score is mostly fictional and entirely meaningless. It'll bounce around as and when it feels like it.

Ignore it like a drunk sat next to you on a bus.

So the point in actually paying for a Credit Expert account is....?

molerat

Paying for it !!! There is no point paying for it at all. You can get it for free through the MSE Credit Club.

bigdavecox90

molerat wrote: »

Paying for it !!! There is no point paying for it at all. You can get it for free through the MSE Credit Club.

I pay a monthly subscription to Credit Expert currently, I'm guessing from what you've said this isn't needed then?

Sorry, fairly new to me!

[Deleted User]

bigdavecox90 wrote: »

So the point in actually paying for a Credit Expert account is....?

To help fund the CRAs.

DCFC79

bigdavecox90 wrote: »

I pay a monthly subscription to Credit Expert currently, I'm guessing from what you've said this isn't needed then?

Sorry, fairly new to me!

Id cancel that subscription asap and save yourself some money.

bigdavecox90

Thanks guys, I can register for the MSE Credit Club and get all of the same information for free?

DCFC79

bigdavecox90 wrote: »

Thanks guys, I can register for the MSE Credit Club and get all of the same information for free?

Yes, that's why its there, can also get the same info from clearscore and Noddle, not every lender will use the same agency, some can use 2 or all 3 if they wish so its best to check all 3.

bigdavecox90

DCFC79 wrote: »

Yes, that's why its there, can also get the same info from clearscore and Noddle, not every lender will use the same agency, some can use 2 or all 3 if they wish so its best to check all 3.

Thank you very much for your advice here

RG2015

bigdavecox90 wrote: »

Thanks guys, I can register for the MSE Credit Club and get all of the same information for free?

Yes, it's free but bear in mind that it is only updated once a month as are the other free services from Clearscore (Equifax data) and Noddle (CallCredit data).