Credit scores so different why ?

NaughtiusMaximus

RG2015 said:

NaughtiusMaximus wrote: »

Good advice, other factors which will make you less desirable to lenders are:

Multiple recent searches
High credit utilisation (ie close to your limit on all your credit cards)
No credit history at all

When you say multiple recent searches do you mean credit application searches?

It is not clear here that you don't include soft searches which cannot be seen by potential lenders.

Yes, just hard searches. Sorry, I should have made that clear.

RG2015

M30SLB said:

I was told by our financial advisor that I was unlikely to get a car loan as when she searched high street lenders it was a no. So hence I started looking at my credit file and that's why I was surprised to be told in this site I m classed as good credit rating and the other sites poor . Perhaps I need to find a lender that uses Experian and I'll be ok ��

I have never used a financial advisor but also have never had any problems getting credit. The first time I had a loan was in 1979 for a car when I was earning about £40 a week. In those days you just asked the bank manager. 

My suggestion is to try asking a bank rather than relying on a financial advisor (or indeed a mythical credit score).

george2571

They look at the report and handling only. I suggest you look through your file have a look and see how you have handled your accounts, see if you have had any missed payments, look how long ago these were, see how you can improve. Just don't rely on what your score says because that isn't what matters.