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Credit score
Pegleg01
Posts: 13 Forumite
I sent a post concerning how my credit score had been impacted due to changing energy suppliers. Who took the decision to end discussion and why?
I'm a newbie did I do something wrong?
I'm a newbie did I do something wrong?
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Comments
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Credit score means nothing. Forget about it and move on.
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Have you bothered to view the thread and read the response ?Pegleg01 said:Who took the decision to end discussion and why?
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Your experian/equifax/transunion score is only seen by you. A lender won't see it therefore it doesn't matter. A lender will look at your credit file and note any defaults, missed payments, electoral roll status, credit usage etc... and will do their own internal assessment and scoring. When it comes to changing suppliers they won't care in the least. They'll only care if the energy company has reported that you've missed loads of payments. Changing energy suppliers has no bearing on how you will be seen to a lender.Pegleg01 said:I sent a post concerning how my credit score had been impacted due to changing energy suppliers. Who took the decision to end discussion and why?
I'm a newbie did I do something wrong?1 -
Hi,Pegleg01 said:I sent a post concerning how my credit score had been impacted due to changing energy suppliers. Who took the decision to end discussion and why?
I'm a newbie did I do something wrong?
I did, sorry for any confusion, but you were advised to read the sticky thread about credit scores, and what they really mean.
To be honest, threads similar to this are so very common, its very repetitive for the majority of posters to give the same answers time and time again to very similar questions.
My job is to make the forums run smoothly, and too many posts on very similar subjects just clog up the works so to speak.
Credit scores are pretty meaningless, and rise and fall at will, creditors view your credit history, not your score, they use there own internal scoring system when applying for credit, so whether it rises or falls, makes no difference whatsoever.
I hope that clarifies the situation for you.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it 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.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
Thanks for the clarification, as I said I'm a newbie.0
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Pegleg01 said:Thanks for the clarification, as I said I'm a newbie.
Newbie or not, you posted about this topic, you had a comprehensive response to a very common question and the thread was locked, asking it again doesn't achieve anything
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