We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Which company is best to have for scores
Options

hosay299
Posts: 26 Forumite

Hi which company is best to have for score checking either experian or clearscore or are there others out there??
Joe
0
Comments
-
Scores don't mean anything it is credit history that is more relevant.Things that are differerent: draw & drawer, brought & bought, loose & lose, dose & does, payed & paid2
-
hosay299 said:Hi which company is best to have for score checking either experian or clearscore or are there others out there??2
-
There are 3 Credit Reference Agencies in the UK - Experian, Equifax and Transunion. They all hold data on your credit history. As to which one is "best", there isn't a "best" as such. Some lenders will report into, and check, all 3 of them, some will only use one or two. There's a useful article on hoe it all works here: https://www.moneysavingexpert.com/loans/credit-rating-credit-score/But your score itself is utterly meaningless - not least because it's not even seen by a lender. You should check all 3 to make sure that the data they hold on you are factually correct, but you can completely ignore the meaningless score, along with any assessment they give of your credit-worthiness, or suggestions on how to improve your score.
1
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards