Cra Score Fun Time....

SusieT

Exactly how much is that CRA offering to lend you? If they are not lending why are you looking at what they think you might be rated at with someone who might be willing to let you have actual debt

Dandytf

@SusieT

My cra score fun isn't intended as a Credit lending App.
Only some fun since 2011, I enjoy these screenshots.

Argyl53

My score is anything from poor to excellent depending who you ask. Equifax have me down as very good, close to excellent. Clearscore, who use Equifax as their data source, rate me as poor. Experian and TransUnion rate me as fair. Credit Karma rate me as "needs work". All of these agencies and services hold almost exactly the same data about me, so what does this tell you about "credit scores"?

Dandytf

Argyl53 said:

 All of these agencies and services hold almost exactly the same data about me, so what does this tell you about "credit scores"?

That each Agency has their own Scoring method.

mcpitman

I'll start paying attention to CRA "scores" when they start lending money, until then the CRA's opinion of our your credit worthiness means nothing.

4.3k posts of absolute diatribe and still going............................

Argyl53

Dandytf said:

Argyl53 said:

 All of these agencies and services hold almost exactly the same data about me, so what does this tell you about "credit scores"?

That each Agency has their own Scoring method.

Correct. Because your "score" means precisely nothing. But look, if it makes you feel better - Argyl53 Credit Scoring rates you as 999 out of 999. You have a perfect score! Well done you. Kind of a shame lenders won't see it any more than they see your Equifax, Trans Union or Experian scores too.

Dandytf

Argyl53 said:

Dandytf said:

Argyl53 said:

 All of these agencies and services hold almost exactly the same data about me, so what does this tell you about "credit scores"?

That each Agency has their own Scoring method.

You have a perfect score! Well done you. Kind of a shame lenders won't see it any more than they see your Equifax, Trans Union or Experian scores too.

No shame as I deem 999 to be Perfect from Experian as one Example.
I have taken one step back using Amex during Snowball attempt, though I'll continue to repay until Zero.
This Score fun is Amazing Journey, Exiting the Stagnation years which feel a lifetime towards Sunnier climates.