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Credit score history
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BrandNewStart
Posts: 169 Forumite

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
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
Debt paid off: £19,999 Debt remaining: NONE!!:money::eek::):j:j:j:j:j:j
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Comments
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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?0
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It is a bit breezy today...
Thanks, I'll have a look. So it's not possible to see past scores?Debt paid off: £19,999 Debt remaining: NONE!!:money::eek::):j:j:j:j:j:j0 -
Does it matter?
No.
The score is irrelevant.
Check the data on your files only0 -
Oh ok. What is the score for then?Debt paid off: £19,999 Debt remaining: NONE!!:money::eek::):j:j:j:j:j:j0
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For keeping people interested in logging on to the CRAs.0
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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?Debt paid off: £19,999 Debt remaining: NONE!!:money::eek::):j:j:j:j:j:j0
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Are the addresses ones you lived at?0
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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.0
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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..........I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Deleted_User wrote: »Are the addresses ones you lived at?
Yes, in this case six or seven years ago.Debt paid off: £19,999 Debt remaining: NONE!!:money::eek::):j:j:j:j:j:j0
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