MSE Credit Club - Affordability Score

Cvarley78

So I have been a member of the Money Saving Expert Credit Club for a good few months now as I am looking to purchase a car in the near future.

No nasty surprises in my actual credit file and all is as it should be. However, the one thing that is puzzling me is that on the affordability screen, it has a very low score for disposable income.

Between my partner and I we earn £44,500 per year with no children and our monthly rent is £600 (which is the only expense it asks for when registering). Our rent is therefore only 20% of net income which i feel is below average. I therefore am somewhat perplexed as to how it can deem our disposable income to be very low when in reality we have a fairly decent DI.

Only credit on my file is 2 credit cards with just under £1,000 balance. Is there anything else that could be affecting the disposable income fugure?

[Deleted User]

Ignore it.
The scores and ratings aren’t real.

Each lender will asses you individually when you apply for one of their products - there’s no universal ratings

nick74

Yes me too. Last month my affordability rating plummetted from 'Good' to 'Very Weak' for absolutely no reason whatsoever. Basically it's total tripe, ignore it!

msallen

What has already been said about scores is correct. However the other issue is that your credit worthiness is yours and yours alone, not yours and your partners together, so your joint income is completely irrelevant.
If you earn £44000 and your partner earns £500, that is quite different to you earning £500 and your partner £44000.