View All 3 Credit Agency Scores Simultaneously

djp15

So most people know that in the UK we have 3 credit agencies - Experian, Equifax and TransUnion.. each has their own credit score index, each receives data from lenders at different times and therefore scores are updated at different times.

If you are thinking about taking out a loan, mortgage or credit card, knowing scores is critical, as is also knowing what is affecting your rating BEFORE applying... 

So my question is:  Is there a website, mobile app or some other place you can go to see all 3 scores simultaneously at the sametime ??

cymruchris

djp15 said:

So most people know that in the UK we have 3 credit agencies - Experian, Equifax and TransUnion.. each has their own credit score index, each receives data from lenders at different times and therefore scores are updated at different times.

If you are thinking about taking out a loan, mortgage or credit card, knowing scores is critical, as is also knowing what is affecting your rating BEFORE applying... 

So my question is:  Is there a website, mobile app or some other place you can go to see all 3 scores simultaneously at the sametime ??

Knowing scores before applying is NOT essential.

Scores are not used in lending decisions.

History is.

Scores are there as a marketing gimmick that sometimes give a general indication of creditworthiness, but can sometimes be flawed, and at times wildly innacurate.

If you feel you need instant up-to date access there are various paid for options - but most lenders will be looking at your history over the past few years, not last Thursday's £200 spend in Sainsburys.

Better off signing up to the free ones and ensuring your data is accurately recorded, which takes no time at all over three apps. You don't need one website to see everything.

MrFrugalFever

If you want to see all FOUR credit reference agencies and the information compiled in one placed used in the UK then 'Check My File' will supply you with at, at a monthly subscription cost.

If you would like to avoid paying for the free data held against you then you can either download and sign up to the following Credit Brokers;

- Clearscore
- Credit Karma
- MSE Credit Club

Request a Statutory Credit Report from Experian, Equifax and Transunion.


Please desist in thinking your credit score means something as generally is does not, each individual lender will have their own commercially sensitive criteria that they will mark you against (internal scoring) to assist them on making a lending decision. They will not use a credit brokers score assessment of you.

I have literally lost count the amount of times it has been said on this forum that the credit scores you see on the likes of Credit Karma, Experian and Clearscore are pretty much meaningless.

MattMattMattUK

djp15 said:

If you are thinking about taking out a loan, mortgage or credit card, knowing scores is critical, as is also knowing what is affecting your rating BEFORE applying...

Knowing your score is far from critical, it is about as important as remembering to sacrifice a goat to Imhotep, ie. of zero importance. 

sourcrates

MattMattMattUK said:

djp15 said:

If you are thinking about taking out a loan, mortgage or credit card, knowing scores is critical, as is also knowing what is affecting your rating BEFORE applying...

Knowing your score is far from critical, it is about as important as remembering to sacrifice a goat to Imhotep, ie. of zero importance. 

Unless you`re the goat lol 

fatbelly

MrFrugalFever said:

If you want to see all FOUR credit reference agencies and the information compiled in one placed used in the UK then 'Check My File' will supply you with at, at a monthly subscription cost.

I have literally lost count the amount of times it has been said on this forum that the credit scores you see on the likes of Credit Karma, Experian and Clearscore are pretty much meaningless.

If you set this up and then cancel within the month (they do make it easy for you to do this) then there is no charge

Barkin

MrFrugalFever said:

If you want to see all FOUR credit reference agencies and the information compiled in one placed used in the UK then 'Check My File' will supply you with at, at a monthly subscription cost.

Out of curiosity... Check My File, on their website, only seem to mention Experian, Equifax & Transunion. 

What's the fourth? 

MrFrugalFever

Barkin said:

MrFrugalFever said:

If you want to see all FOUR credit reference agencies and the information compiled in one placed used in the UK then 'Check My File' will supply you with at, at a monthly subscription cost.

Out of curiosity... Check My File, on their website, only seem to mention Experian, Equifax & Transunion. 

What's the fourth? 

Crediva - but I believe it is not anywhere near as comprehensive as the main 3 and as such lenders don't typically rely on it.

MrFrugalFever

I believe it is more a form of Identity checking than anything.

fatbelly

Barkin said:

MrFrugalFever said:

If you want to see all FOUR credit reference agencies and the information compiled in one placed used in the UK then 'Check My File' will supply you with at, at a monthly subscription cost.

Out of curiosity... Check My File, on their website, only seem to mention Experian, Equifax & Transunion. 

What's the fourth? 

https://crediva.co.uk/