affordability score!

evilwater

Ah,
then why are these scores so important?
I'm confused....

[Deleted User]

evilwater wrote: »

Gary,
The only things that are on my file are;
my ex,
My credit card, which I pay in full each month,
British gas for my electric and gas,
And my mobile phone provider.

No late payments.
No CCJ.
No defaults.

How can I find out about these bank criteria?

You won't find out since they don't disclose it

[Deleted User]

evilwater wrote: »

Ah,
then why are these scores so important?
I'm confused....

They're not important - no one here is saying they are

Candyapple

evilwater wrote: »

Gary,
The only things that are on my file are;
my ex,
My credit card, which I pay in full each month,
British gas for my electric and gas,
And my mobile phone provider.

No late payments.
No CCJ.
No defaults.

How can I find out about these bank criteria?

Does your ex have a good credit history? If not, his credit history will bring yours down.

If you are no longer together, why is he/she still on your files? Do you have any joint accounts together?

Is your mortgage not on your files?

Your bank account?

Are you on the electoral roll - is this showing as well?

evilwater

I've just checked my credit file, there are problems;
My credit file says I have £230 on my credit card. That's not my balance of my credit card. Also it looks like I've never paid the credit off. I have, it gets paid on the middle of the month. Yes I pay the FULL balance.
My bank account is 0, it's not.
I'm linked to my ex, seven times. As far I I know I only had 2 accounts linked with him. ( the mortgage of my old house, and a shared account)

[Deleted User]

My credit file says I have £230 on my credit card. That's not my balance of my credit card - It depends when the CC companies report back to the CRA's about you, thus there being a difference in your balance

My bank account is 0, it's not. - Your day to day balance is not listed here - only if you are in any sort of overdraft will this list an amount

I'm linked to my ex, seven times. As far I I know I only had 2 accounts linked with him. ( the mortgage of my old house, and a shared account - Are all these accounts now showing as closed or still open?

evilwater

I can't see anywhere that says they are closed.

evilwater

The mortgage I had with him is not there.

DCFC79

evilwater wrote: »

The mortgage I had with him is not there.

Who did you get the report from as there are 3 agencies in the mix and not everyone whether its banks, lenders, credit card co's etc report to all 3 lenders, some will report to 1 or 2, the 1 used alot is Experian.

Check your files with the other 2 agencies.

evilwater

The one I used is the Martin Lewis credit report, Experian.