Credit scores

Jadehughes

Hi there, sorry if this has been asked a thousand times already, but me and my husband have finally. Managed to get all our debts sorted now we have been using credit karma and we'll we thought are scores are so much better, we tried Experian and our scores are significantly lower, I'm talking 300 point lower does anyone  know why 

Carrot007

Well beyond the fact they are generated by dice the experian one is out of 999 and the ck one 710.

Maybe check the faq at some point!

D3xt3r5L4b

Have you read the sticky at the top of this forum?

PRAISETHESUN

As above, check the stickies.

The scores are meaningless - what actually matters is the data on your credit files. Make sure to regularly check your reports from all 3 CRAs (Experian, Equifax and TransUnion) for any errors and to ensure missed payments/defaults are not being reported. Assuming you've just gotten out of debt and you continue to stay that way, then over time you'll be eligible for better deals with lenders. Just don't confuse any changes to your score with your creditworthiness improving...

ratechaser

I think I'm going to start a new CRA where the scores we provide go up to 99999. Everyone will want to use my product because I can promise them the highest scores around 

DCFC79

Jadehughes said:

Hi there, sorry if this has been asked a thousand times already, but me and my husband have finally. Managed to get all our debts sorted now we have been using credit karma and we'll we thought are scores are so much better, we tried Experian and our scores are significantly lower, I'm talking 300 point lower does anyone  know why 

Dont worry yourself with the score, why would you when only you see it, lenders see your history. Have you checked your credot files with all 3 reporting agencies ?
You will see they all report you differently.

bradders1983

Before anyone starts a thread in this section there should be a pop up box that comes up directing people to the sticky thread.