Credit Score gone down during mortgage application!!!

0400772

MovingForwards said:

Ignore the credit score as it isn't seen or used by any financial institution. It's the credit history they see and use for their own internal scoring.

You are panicking over nothing.

Wow,is this true? I always thought they seen your actual score?  Reason im asking is my record is clean except one default for £175 that i dont recognize and have put a note on my credit report.

Is it the actual report they get then? With details of all your accounts/credit limits/ balance etc

MovingForwards

0400772 said:

MovingForwards said:

Ignore the credit score as it isn't seen or used by any financial institution. It's the credit history they see and use for their own internal scoring.

You are panicking over nothing.

Wow,is this true? I always thought they seen your actual score?  Reason im asking is my record is clean except one default for £175 that i dont recognize and have put a note on my credit report.

Is it the actual report they get then? With details of all your accounts/credit limits/ balance etc

I've commented on your thread.

You shouldn't have put a notice of correction, that just draws attention to it and a manual review is required instead of a straight yes / no. You should have raised a dispute.

0400772

MovingForwards said:

0400772 said:

MovingForwards said:

Ignore the credit score as it isn't seen or used by any financial institution. It's the credit history they see and use for their own internal scoring.

You are panicking over nothing.

Wow,is this true? I always thought they seen your actual score?  Reason im asking is my record is clean except one default for £175 that i dont recognize and have put a note on my credit report.

Is it the actual report they get then? With details of all your accounts/credit limits/ balance etc

I've commented on your thread.

You shouldn't have put a notice of correction, that just draws attention to it and a manual review is required instead of a straight yes / no. You should have raised a dispute.

Thanks for this. I just checked and my apologies, it is a dispute. I checked Experian and it shows in the dispute section of credit report saying that i dispute. 

Is this better?

MovingForwards

0400772 said:

MovingForwards said:

0400772 said:

MovingForwards said:

Ignore the credit score as it isn't seen or used by any financial institution. It's the credit history they see and use for their own internal scoring.

You are panicking over nothing.

Wow,is this true? I always thought they seen your actual score?  Reason im asking is my record is clean except one default for £175 that i dont recognize and have put a note on my credit report.

Is it the actual report they get then? With details of all your accounts/credit limits/ balance etc

I've commented on your thread.

You shouldn't have put a notice of correction, that just draws attention to it and a manual review is required instead of a straight yes / no. You should have raised a dispute.

Thanks for this. I just checked and my apologies, it is a dispute. I checked Experian and it shows in the dispute section of credit report saying that i dispute. 

Is this better?

Yes, it's much better.