Student trying to check credit score

Liugi

I'm a student financially dependent on my parents, and live at home with them. I am a student in another city and am registered on the electoral register both at home and at uni. I have been the name on bills for the houses over the past few years.

I am trying to access my credit score to see how i can improve it and what it is, but am unable to get in on any of the sites. Any advice on which addresses i should be putting down? I have tried both just including my home address, and then also putting down my uni addresses as if I have moved out of my parent's place, but neither has worked!

Thanks for any help!

[Deleted User]

Don’t check your score.
It’s not a real thing that lenders see or care about.

Ignore any advice about improving your score and rating as well.

Concentrate on building a good credit history

AnotherJoe

You have fallen for a marketing scam. Your score is irrelevant.

Use a credit card, pay it in full on time (to build a solid credit history as per GD above), dont take unnecessary credit out and dont waste time or especially money fussing about your "score".

phillw

Liugi wrote: »

I am trying to access my credit score to see how i can improve it and what it is, but am unable to get in on any of the sites. Any advice on which addresses i should be putting down? I have tried both just including my home address, and then also putting down my uni addresses as if I have moved out of my parent's place, but neither has worked!

Thanks for any help!

The "ignore your credit score" posts are kinda unhelpful as to check your credit history then you need to go through the same process and for you improving your credit score and credit file will probably be pretty much the same (as long as you haven't somehow already managed to get a CCJ or been made bankrupt...)

There are three main credit ratings agencies and to find you they need a certain amount of information, if you don't have enough information in the system then it's impossible to find you and pull all your data together. If you only have a current account and no overdraft then there probably won't be enough. Also if you're under 18 then you shouldn't be able to get credit anyway. You may find that one of the agencies will have more information about you, so check noddle, clearscore and mse credit club (they are the free ways to access the three main credit agencies). I wouldn't sign up to any of the agencies directly as they try to get money from you.

If you are over 18 and don't have a credit card then talk to the bank you have your current account with, as it will be another entry on your credit file. Just make sure to setup a direct debit so it pays it back every month.

AnotherJoe

Why would you need to check your credit history? Surely you woudl know what it is unless its littered with defaults and CCJ's which doesn't sound like the OP.

phillw

AnotherJoe wrote: »

Why would you need to check your credit history? Surely you woudl know what it is unless its littered with defaults and CCJ's which doesn't sound like the OP.

How would you know you haven't been the victim of identity fraud unless you check?

Ben8282

phillw wrote: »

How would you know you haven't been the victim of identity fraud unless you check?

Another marketing ploy. Let's scare everybody into thinking they may have been a victim of identity fraud so they sign up and check their credit files.

Nasqueron

phillw wrote: »

The "ignore your credit score" posts are kinda unhelpful as to check your credit history then you need to go through the same process and for you improving your credit score and credit file will probably be pretty much the same (as long as you haven't somehow already managed to get a CCJ or been made bankrupt...)

/sigh

Again with the false information about credit scores having some equivalence to your credit history. Please stop spreading this myth, the nonsense about credit scores having meaning is damaging. I'll just leave yet another example showing why the scores are meaningless:

Person with 994 on Experian despite being in a DMP

System

phillw wrote: »

The "ignore your credit score" posts are kinda unhelpful as to check your credit history then you need to go through the same process and for you improving your credit score

Doesn't work like that though. Often when you close accounts when you complete loans you'll find your fictitious score actually goes down even though to lenders you now look more attractive as you're carrying less debt. You will also find there are people still bankrupt who have excellent scores, that's how pointless credit scores are.

phillw

Tarambor wrote: »

Doesn't work like that though. Often when you close accounts when you complete loans you'll find your fictitious score actually goes down even though to lenders you now look more attractive as you're carrying less debt. You will also find there are people still bankrupt who have excellent scores, that's how pointless credit scores are.

None of that is relevant to this particular person, so you need to go to the cult leader for better arguments. They aren't bankrupt, they aren't closing accounts.

The score isn't fictitious, it is just not what you wrongly think they say it is.

Nasqueron

phillw wrote: »

None of that is relevant to this particular person, so you need to go to the cult leader for better arguments. They aren't bankrupt, they aren't closing accounts.

The score isn't fictitious, it is just not what you wrongly think they say it is.

The score is fictitious as you have been shown many times over. It has no correlation between how high it is and how likely lenders are to give you finance. You can ignore facts all you like and keep trying to swim uphill but the fact is, lenders never see your score (they use their own scoring system, perhaps driven by one of the CRAs but different to the one you see) and they don't judge you based on your score. Similarly, the score is not a reflection of your credit worthiness. There are numerous examples on this site of people with close to, or even "perfect" credit scores who can't get basic finance yet that score says they should.


Please stop posting something you know to be false.