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Differing credit ratings - help
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MrsGreen0872
Posts: 14 Forumite
My credit on Experian is 999 Excellent. Honestly I have worked so hard to get it to this
My credit rating on Credit Karma (was Noddle) says 'needs improvement', 541!
So does this mean I still cannot get credit? Do any lenders just use Experian?
I'm in the midst of a mortgage application so I am panicking!
My credit rating on Credit Karma (was Noddle) says 'needs improvement', 541!
So does this mean I still cannot get credit? Do any lenders just use Experian?
I'm in the midst of a mortgage application so I am panicking!
0
Comments
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Don't worry. None of the ratings are used by lenders and they are very poor indicators of your credit worthiness.
Just ensure that the data that appears on all three of your files is accurate. That's what lenders will look at.0 -
not everyone reports to all 3 CRAs. Just make sure that what is on there is correct (and shows good behaviour)I’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
& Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.0 -
My mortgage offer is through so I am hoping it will be okay. Thanks so much0
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Please clarify.MrsGreen0872 wrote: »
So does this mean I still cannot get credit?
Have you been experiencing difficulties in obtaining credit? Have you had any applications for credit declined recently?0 -
MrsGreen0872 wrote: »My credit on Experian is 999 Excellent. Honestly I have worked so hard to get it to this
My credit rating on Credit Karma (was Noddle) says 'needs improvement', 541!
It means the lenders you use report only some of the info they have on you to TransUnion. If you use a mortgage broker, let him/her know.Your cholesterol levels are not seen, or used, by your heart and arteries, so ignore it.
:eek:.0 -
MrsGreen0872 wrote: »My mortgage offer is through so I am hoping it will be okay. Thanks so much
What you need to be concerned about is the data on your credit files is correct, your score is just on the backseat doing naff all.0 -
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