No Credit Score on Some Sites

jamieb3009_2 · 20 January 2019 at 2:19AM

Evening All,

I am at a stage where I am looking to buy my first home and take out a mortgage. I have got the deposit together and have had some meetings with the bank etc. to see what I could borrow/check eligibility. They suggested I check my credit score before I apply for a mortgage (purely out of interest). When I use clear score or noddle, it says there is insufficient data available to generate a score for me? However, When I use Experian, I get a score of 999. I have had a bank loan in the past to buy a car and have now paid this off and cleared it in full. Additionally, I have had a credit card for the last 4 years, and use this every month for general spend and make sure to pay it off in full each month. Why would these sites say there is not enough information? I do not have any other monthly payment contracts etc. like a mobile phone (I get a phone with my job which I can use for personal use). My fear is that this will affect me when I apply for a mortgage. Has anyone come across this before and is there anything that can be done to improve the situation? I don't really want to take out additional credit etc. for the sake of it if I don't need to, as I have been told that all applications for credit go on your 'record', and multiple applications in a short space of time can negatively affect it??

Many thanks. Any advice is greatly appreciated.

fatbelly · 20 January 2019 at 6:26AM

Your 'score' is a bit of a vague concept at the best of times, and Noddle is notoriously inaccurate. If your data on Experian is accurate I suspect you'll be OK. Are you on the electoral roll where you are now? Have you checked Equifax?

worried_jim · 20 January 2019 at 6:35AM

Your "score" is a totally made up number that only you see and is of no interest to any lender, now your credit history on the other hand.....

Nasqueron · 20 January 2019 at 11:24AM

Are you on the electoral roll? That's the only other thing likely to cause an issue. If you are paying your CC every month then the only other thing (given the phone situation) would be to get another CC (say one with cashback) and spend on that as well as the other, no harm in having a few cards so long as you are seen to be paying them off and are in good financial order.