MSE credit club address

tatartan

Willing2Learn wrote: »

How is it that so many people have been 'conditioned' into believing that CRA 'credit scores' in the UK are relevant?

@tatartan
Most lenders score you against their own criteria and policies using the data held in your credit file, added to the data submitted in a credit application, added to the data they may already hold on you as an existing or returning customer.

I know that, guess you are another friendly helper on this forum waiting for others to make mistakes to have a go! Luckily I am well informed but I see it on posts all over this forum - people asking simple questions and being ridiculed by the likes of you.

I am actually laughing, and triple checking my posts as to where I claimed or said the specific scores matter?

Willing2Learn

@tatartan
I do not believe I 'ridiculed' you. If my post has caused you to feel such an emotion, then I apologise. I was just trying to make sure you understood the methodology used by most lenders to 'credit score' a customer. Your opening post for this thread contained two clear references to your score having gone down.

Back to your original question:
You should drop an email to the MSE Credit Club support team with your enquiry at
[URL="mailto:creditclub@moneysavingexpert.com"]mailto:creditclub@moneysavingexpert.com[/URL]

Edit: And happy Christmas!

[Deleted User]

tatartan wrote: »

I am actually laughing, and triple checking my posts as to where I claimed or said the specific scores matter?

You did.

The point where you lay claim to your partner that a score of 999 is better than a score of 950.

tatartan

!!! wrote: »

You did.

The point where you lay claim to your partner that a score of 999 is better than a score of 950.

Where I also specifically outlined the fact that I know it doesn't matter but use it as a tool to show my partner what types of things matter. She isn't aiming for 999 and no where have I ever said she was , again you assume a lot. It is safe to say that a score of 100 and a score of 999 don't matter, but that if it is coming back at a 100 when it was previously 999 then it is probably best you have a look at the report.

tatartan

Willing2Learn wrote: »

@tatartan
I do not believe I 'ridiculed' you. If my post has caused you to feel such an emotion, then I apologise. I was just trying to make sure you understood the methodology used by most lenders to 'credit score' a customer. Your opening post for this thread contained two clear references to your score having gone down.

Back to your original question:
You should drop an email to the MSE Credit Club support team with your enquiry at
[URL="mailto:creditclub@moneysavingexpert.com"]mailto:creditclub@moneysavingexpert.com[/URL]

Edit: And happy Christmas!

Specifically when you said "How is it that so many people have been 'conditioned' into believing that CRA 'credit scores' in the UK are relevant?"

It implies that I am one of those "many people" that have been manipulated/trained/falsely educated into believing that score are relevant. When in fact I have never once said that the specific score matters and my original questions was regarding an incorrect address. You didn't answer the questions asked in itself, you used it as an opportunity to slander me - which is annoying because I am not "one of those people". I am very well aware.

Now I can see exactly what you did, but I notice on other threads that people ask for help, and in return posters use it as an opportunity to find out what they don't know and then use it as a stick to beat them with. A very odd phenomenon if you ask me.

Thank you for your help regrading the support team, that is what I was asking, that and checking if anyone else had a similar issue. Merry Christmas to you too. I hope that maybe, I have highlighted the behaviour and you will realise that you succumb to it and try not to do it.

Willing2Learn

I was just thinking. There have been a number of posts where when people have had problems accessing their credit report and associated 'score', then the solution has sometimes been quite simple.

• The solution is to log on to MSE Credit Club as normal.
• Select and click on 'Settings' (top right corner)
• Scroll to the bottom of the page and select 'delete account'
• Re-register for MSE Credit Club

I know this is like the nuclear option. But it does often resolve any issues that the user was having.

tatartan

Yes I might have to resort to that, or perhaps the lesser evil of deleting all my old addresses and then seeing if it lets me update my current one - but if that doesn't work I am back to square one.

I find it odd that all my bank accounts are no longer showing, I updated all my addresses with everything including banks in September. I would expect that by now these accounts should be showing on my report. As the other poster said though, maybe it takes the banks a while to update CRA's.