MSE Credit Club score different to Experians own score

t3rminal

Yesterday (14th April) my Experian credit score was updated and today (15th April) my MSE Credit Club score (provided by Experian) was updated. The problem is they are different from each other and nothing has happened within the past 24 hours which should affect my score. Why would this be?

[Deleted User]

Neither are a reflection of your credit worthiness or matter, so just ignore them both. Or choose your favourite.

t3rminal

Thanks for your reply :-). Surely they should be the same score though as they are from the same provider.

[Deleted User]

You would think so. But they can't even maintain consistency across the two.

Just check that the data is correct and don't worry about the numbers.

Carrot007

They are different because they were not generated on the extact same second.


That will tell you how much you should care about the "score".

tryin

Generally I have found the credit club to be inaccurate, like telling me 80% chance of getting a certain CC, and when I check the requirements for it the income requirement is more than my income.

portlandboy

t3rminal wrote: »

Yesterday (14th April) my Experian credit score was updated and today (15th April) my MSE Credit Club score (provided by Experian) was updated. The problem is they are different from each other and nothing has happened within the past 24 hours which should affect my score. Why would this be?

I happened to check my score and was also surprised at how the MSE Credit Club varied from both the Experian and Noddle scores.
I scored 999 on the MSECC rating, but 645 and 797 on Noddle and Experian respectively.

I understand how they might differ a bit, but there's a 30% difference overall, which seems to make the whole system completely pointless.

Carrot007

portlandboy wrote: »

I happened to check my score and was also surprised at how the MSE Credit Club varied from both the Experian and Noddle scores.
I scored 999 on the MSECC rating, but 645 and 797 on Noddle and Experian respectively.

I understand how they might differ a bit, but there's a 30% difference overall, which seems to make the whole system completely pointless.

The scores are not comparible. Noddle has a maximum of 710. They would only be the same if they all used the same system and as such there would only be one company. Even then the score would still be pointless.

[Deleted User]

portlandboy wrote: »

I happened to check my score and was also surprised at how the MSE Credit Club varied from both the Experian and Noddle scores.
I scored 999 on the MSECC rating, but 645 and 797 on Noddle and Experian respectively.

I understand how they might differ a bit, but there's a 30% difference overall, which seems to make the whole system completely pointless.

Noddle is TransUnion, not Experian who also provide data to MSE.

It goes to show how irrelevant they are in any case

SlovakianGuy

Don't worry. Mine is 446 on ClearScore and 312 on CreditWise, both at the same time. They both use the same score range as they both use data from Equifax. Sometimes one just lags a month behind the other, even if they are created on the same day.

I like to see my score going up, but I know it doesn't really matter too much. It's just an indication of your creditworthiness (what credit reference agencies think lenders may think), but in many cases it's pretty off the mark.


I've read about cases of people with top credit score unable to get a SIM-only mobile contract and on the other hand, people with low score, having no problems to obtain credit.

[Deleted User]

SlovakianGuy wrote: »

Don't worry. Mine is 446 on ClearScore and 312 on CreditWise, both at the same time. They both use the same score range as they both use data from Equifax. Sometimes one just lags a month behind the other, even if they are created on the same day.

I like to see my score going up, but I know it doesn't really matter too much. It's just an indication of your creditworthiness (what credit reference agencies think lenders may think), but in many cases it's pretty off the mark.


I've read about cases of people with top credit score unable to get a SIM-only mobile contract and on the other hand, people with low score, having no problems to obtain credit.

You would have read that on here then.

You're right though - people with 999 scores get refused £20 per month SIM contracts but those with a 300 score can get a £300k mortgage - go figure.

Likewise Bankrupts getting a 999 score for having a "clean" file and history - which is clearly incorrect.

It's not that it doesn't matter "too much" or that it is an "indication" - it's neither.