Mse credit club update

MABLE

0-pt5≥øºπ÷9999999999999999999999999I have just checked my credit score today with MSE and has increased by 100 points. I appreciate the situation regarding scores etc. However the score was generated yesterday but my report is not updated until 3 August.

I check all the statistics on my credit club page is states I am very weak and my disposable income is very low. However this is totally rubbish as we now have no mortgage to pay and commitments are very low.

Stats as follows:

1. My debt ration is a large proportion of my income.
2. Credit utilisation very good
3. Disposable income. It looks like you have very free cash.

Could it be MSE are still basing their information on the previous Experien report and even though the updated score doe reflect the fact I paid off all my snoozing money on the 25th June the actual report trails behind.

StopIt

MABLE wrote: »

0-pt5≥øºπ÷9999999999999999999999999
You've just posted the secret Experian credit scoring formula, hide it!


I have just checked my credit score today with MSE and has increased by 100 points. Yey, cookies all round?


I appreciate the situation regarding scores etc. However the score was generated yesterday but my report is not updated until 3 August. That's just weird, the other free providers update the score and report on the same day.

I check all the statistics on my credit club page is states I am very weak and my disposable income is very low. However this is totally rubbish as we now have no mortgage to pay and commitments are very low.
Yes, but as the credit report doesn't know your income or actual spending, they're guessing. Mine says the same. No mortgage here too, because I have to rent, boo!

Stats as follows:

1. My debt ration is a large proportion of my income. Yum, rations. Is that actual debt or stoozing?
2. Credit utilisation very good Ditto here, just means that you have free credit available.
3. Disposable income. It looks like you have very free cash. Very free cash, very high, very low?

Could it be MSE are still basing their information on the previous Experien report and even though the updated score doe reflect the fact I paid off all my snoozing money on the 25th June the actual report trails behind.

Replies in red. Also, they're basing it off a daily update it seems for the score, but not the full report. Still, the history will be correct once the report is updated, but for heavens sake stop even acknowledging the score!


For reference, my MSE score is Excellent and stable this month, my ClearScore went down to OK/Good from Good/Excellent and Noddle went up from 3/5 to 5/5 this month. Despite no change at all to any accounts. However, all have my credit files in order with the same information in all 3 so the scores are indeed RNG frankly.

MABLE

StopIt wrote: »

Replies in red. Also, they're basing it off a daily update it seems for the score, but not the full report. Still, the history will be correct once the report is updated, but for heavens sake stop even acknowledging the score!


For reference, my MSE score is Excellent and stable this month, my ClearScore went down to OK/Good from Good/Excellent and Noddle went up from 3/5 to 5/5 this month. Despite no change at all to any accounts. However, all have my credit files in order with the same information in all 3 so the scores are indeed RNG frankly.

Thanks for reply but i know all about the scores and their purpose in life.