False score of 999 and zero total borrowing in Experian

Sir_Render

Logged in to Experian yesterday, and checked again this morning, and I suddenly have a score of 999 and zero total borrowing in Experian. It shows I have only 1 credit card and no loans. This is completely wrong information - should I be worried - or is now the time to apply for a mortgage!!!

I don't really want to pay £14.99 to work out what is going on.

The last time I checked was about two months ago and I think all was accurate then.

I actually have 5 credit cards and 1 loan and I do have some borrowing.

[Deleted User]

You don’t need to pay at all when you can access it free with the MSE Credit Club.

What do your other reports (Experian, TransUnion) show?

Sir_Render

!!! wrote: »

You don’t need to pay at all when you can access it free with the MSE Credit Club.

Sounds great. Why can't I find anything on MSE about a credit club (haven't had my morning coffee yet!) - can you help me as to where to go?

[QUOTE=_What_do_your_other_reports_(Experian,_TransUnion)_show?[/QUOTE]

I haven't checked anything other than Experian. Was considering signing up for a free trial on Equifax.

molerat

https://www.moneysavingexpert.com/creditclub for Experian data
https://www.noddle.co.uk/sign-up-new for Transunion data
https://app.clearscore.com/signup for Equifax data

robbo990

https://www.moneysavingexpert.com/creditclub

kensiko

https://www.noddle.co.uk/sign-up-new/about-you

https://app.clearscore.com/signup

https://clubs.moneysavingexpert.com/creditclub/register

All free. Each one is for a different CRA.

Edit: A tad slow I was!

Sir_Render

Thanks everyone. I've logged in to MSE Credit Club and now see a far more believable picture. Darn!

[Deleted User]

Experian is obviously having a blip, although the MSE Credit Club pulls the data from Experian.

Strange one...

Candyapple

Sir_Render wrote: »

should I be worried - or is now the time to apply for a mortgage!!!

Just so you know, credit scores are pointless. Ironically if you had tried to apply for a mortgage based on this score, you'd likely have been rejected because you have no credit history!

Mortgage advisor saying credit scores are meaningless:
https://forums.moneysavingexpert.com/discussion/5659874

999 scores, keep rejected:
https://forums.moneysavingexpert.com/discussion/3158508

Experian admit credit score pointless:
https://forums.moneysavingexpert.com/discussion/4858881

Bankrupt and with 999 score:
https://forums.moneysavingexpert.com/discussion/4099257

Post #10 is really good on this thread:
https://forums.moneysavingexpert.com/discussion/3158508

Post #10 onwards about how pointless credit scores are:
https://forums.moneysavingexpert.com/discussion/5663181