Credit score history

BrandNewStart

Does anyone know where I can see the history of my credit score? I think it might have gone down this month and want to find out why.

I have checked my previous report on MSE Credit Club but they don't seem to show the score for previous reports.

Many thanks

BNS

amfan

If you think it may have gone down the information leading to the change will still be there regardless of whether you can see what it was last month. So look at your details, what's changed? Anything new added, anything old closed? Did the wind blow as you logged in?

BrandNewStart

It is a bit breezy today...

Thanks, I'll have a look. So it's not possible to see past scores?

[Deleted User]

Does it matter?
No.
The score is irrelevant.

Check the data on your files only

BrandNewStart

Oh ok. What is the score for then?

[Deleted User]

For keeping people interested in logging on to the CRAs.

BrandNewStart

I seem to have 2 more entries in my linked addresses. One was made in November linking my flat (which I rent out) to a very old address - linked by my mortgage company. Why would it do this?

[Deleted User]

Are the addresses ones you lived at?

amfan

If you really want to see past scores then I think it is possible with Clearscore, but as others have said it's not really all that relevant as lenders don't use that score to decide whether they'll give you credit. They use all the information made up in your credit history and then allocate that against their own lending criteria. You can have a "perfect" score, yet if your salary, for example, doesn't meet a lenders requirements they may reject you. Don't worry about fluctuations in your score, just make sure all the information is correct and make sure you meet all your payments.

sourcrates

BrandNewStart wrote: »

Oh ok. What is the score for then?

The CRA`s had to find a new source of income, so they decided to introduce something called a "credit score"which is basically a number generated by them, which rises and falls, for no single given reason.

They then offer the public "credit score improvement products" again, a resource provided by them, to "help" you raise that score, for a price.

The public in general falls for these income generating gimmicks thinking it will help them look more attractive to lenders, but actually all there doing is paying to watch a number, mainly only they can see, rise and fall, at the whim of the CRA.

I only wish i had thought of it first..........

BrandNewStart

Deleted_User wrote: »

Are the addresses ones you lived at?

Yes, in this case six or seven years ago.