Credit Score confusing

Stinkysock101

Hi all

I can't work my credit score out. I am down as poor on 2 of the agencies and good on the third. All the info is correct on all 3, I have no CCJs or defaults, all payments are up to date and I'm on the electoral roll. I am using around 25% of the credit that is currently available to me. So what's with the poor credit rating? Thanks in advance

Fireflyaway

Not all behaviours or financial responsibilities are reported to all the agencies. I have one finance agreement that doesn't show up at all! Then my bank account is listed with 2 agencies but not the third. I
I wouldn't worry about it. I stopped checking mine it seemed to go up and down for no apparent reason.

[Deleted User]

Beacuse the scores and ratings are made up.

So long as all the data on there is present and correct you have nothing to worry about and can safely ignore them

PixelPound

Because scores were devised as a method of parting you from your money by offering subscription services from companies that don't lend money. Especially as those companies that do lend you money have their own scoring systems.

The fact that the same data is on each of the CRA reports is testament to the fact that the scores are effectively made up.

Stinkysock101

Thanks all, I luckily haven't paid a subscription. I check them through noddle, mse and clear score for free.

Think I'll stop now though, knowing they are made up.

forgotmyname

Just keep paying your bills on time and your "score" could go down like mine...