Continual drop of credit score

Candyapple

Glowhallow wrote: »

Thanks everyone for the advice and reassurance. How can I check the data on my credit reference files is correct?

The free versions to check your credit files are below:
Experian: https://www.moneysavingexpert.com/creditclub
Equifax: https://www.clearscore.com
Call Credit: https://www.noddle.co.uk


Check that you are on the electoral roll.

Are your bank accounts / credit cards / mobile phone / loans / car finance etc all showing?

Check that you aren't financially associated with someone incorrectly.

Check that there are no late payments, defaults or CCJs.

Glowhallow

Thanks for the links

Glowhallow

I've tried to sign up the credit club but my details can't be verified. I have an account with clear score though, is it worth making accounts for all of them or is just one of them needed?

[Deleted User]

All of them, as different lenders report to different CRAs, and mistakes can be made on one but not the others.

Glowhallow

Okay thanks. I noticed that my electoral roll address is wrong on one of them, do I need to contact the credit agency about this or the council? I did get a letter through to say I had been transferred onto the local electoral roll. I transferred over in December as I moved house then.

Candyapple

Glowhallow wrote: »

I've tried to sign up the credit club but my details can't be verified. I have an account with clear score though, is it worth making accounts for all of them or is just one of them needed?

You need accounts with all 3 as each agency can hold vastly different info from another and you need to make sure that your info appears correct across all 3 because you won't know which agency a bank or any lender is going to use when they credit search you.

There was one thread on here recently where the person had only checked 1 of their files and applied for a mortgage, only to find that they were declined due to a CCJ that was applied on their file with one of the other agencies.

Glowhallow

Thanks for the advice