Credit score vs reality of borrowing

hmb412 Forumite Posts: 1 Newbie
Looking for some advice on where to go.

My current credit rating according to Experian is 999 and checkmyfile is 900. It has been this way for the past 6months, prior to that it has always been excellent/ outstanding.

I have never defaulted on any payment (Mortgage, mobile phone, credit card, utilities). I did divorce and change my name 2 years ago, but have never been financially linked (eg bank accounts, credit cards, mortgage etc) to another person (including my ex husband). My total combined borrowing is 14% of credit offered to me.

In the past 12 months despite my credit rating, I have been refused an upgrade on my mobile contract (that I have had for 10 years) with Vodafone and credit from John Lewis (9 months apart). Neither company would tell me the reason behind it.

My only change in personal circumstance is that I have a tenant who is on a debt repayment scheme that concludes in October and is registered through the electoral roll at my address.

Is it possible that this is causing the issues and is there anyway to find out for sure and check that my identity has not been cloned?


  • MorningcoffeeIV
    MorningcoffeeIV Forumite Posts: 1,291
    1,000 Posts Name Dropper
    edited 12 July at 4:07PM
    Generic credit scores aren't a thing in the UK. The ones you see are just a gimmick, not to be taken seriously.

    Check the data on your files to see what actually appears on each. 

    Your tenant's debts are their debts, not  yours.
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