MSE credit club scoring broken?

Energize

I had signed up to this tool when looking for a good credit card to select and after applying was given an £8.5k credit limit straight away.

One of the bizarre things I noticed however was that it rated my affordability for loans and credit cards as very weak despite having a high disposable income and almost no debt. The tool seems to be broken. Clearly lenders do not think my affordability is "very low" if they are offering such high credit limits.

[Deleted User]

The “affordability” you are referring too isn’t that of any lenders.
Experian (where the report comes from) are not lenders, so how can they rate you for something that someone else is providing you?

Lenders will look at the data on your files - the accounts, payment history, debts etc.

NOT the made up scores and ratings.

Energize

I'm not referring to the Experian credit score. I'm referring to the MSE analysis tool, it seems to be broken as no matter what income I put in it says the same thing.

[Deleted User]

As per above.
Ignore it.
It’s not a real-life reference to anything.

nick74

Yes, I've commented on this before. Up until a year or so ago it did at least used to give what appeared to be reasonably sensible ratings. Now it tends to give many people (myself included) a 'Very weak' rating regardless of any other details.

However, as Gary mentions above, it has no real relevance to anything so can be safely ignored. Personally I wish Credit Club would just remove this feature as it's worse than useless.