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Cant update my score ?

smallzoo2
smallzoo2 Posts: 404
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in Credit file & ratings
Our credit score has been mediocre for years according to experian yet I've not had a problem getting a small loan if necessary. Its now classed as poor which I dont understand. We have paid off our mortgage and two credit cards. When I applied for another £1000 loan it said rejected and it said I was still paying £1300 a month towards a mortgage but we are not !  Looking at the report on the MSE club it says the mortgage account is closed yet somewhere it still thinks we are paying the £1300 which obviously affects our affordability... where is the this information and how can I tell them they are wrong 

Comments

  • MorningcoffeeIV
    MorningcoffeeIV Posts: 1,980
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    edited 27 March 2023 at 9:35AM
    Check your files with all the CRAs to see what appears, not just the Credit Club.  Disregard the credit scores they give you - you (and lenders) are only interested in what appears on your files.
  • smallzoo2
    smallzoo2 Posts: 404
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    CRAs  what do you mean sorry
  • MattMattMattUK
    MattMattMattUK Posts: 13,175
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    smallzoo2 said:
    CRAs  what do you mean sorry
    Credit Reference Agencies, Experian, Equifax and TransUnion.
  • smallzoo2
    smallzoo2 Posts: 404
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    Oh Sorry I thought the MSE club was experian as its loads up the report
  • MattMattMattUK
    MattMattMattUK Posts: 13,175
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    smallzoo2 said:
    Oh Sorry I thought the MSE club was experian as its loads up the report
    MSE Credit Club is based on Experian data, the actual CRA is Experian so any disputes or complaints would go via them. 
  • molerat
    molerat Posts: 36,592
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    edited 27 March 2023 at 1:35PM




    Never associate with idiots on their own level, because, being an intelligent man, you'll try to deal with them on their level - and on their level they'll beat you every time.

    Being hated by idiots is the price you pay for not being one of them.

    Jean Cocteau 1889-1963

  • macman
    macman Posts: 53,129
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    edited 27 March 2023 at 2:31PM
    Your credit score is a made-up number that lenders can't even see, so you can safely ignore it. What matters is your credit history.
    No free lunch, and no free laptop ;)
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