Which company is best to have for scores

hosay299

Hi which company is best to have for score checking either experian or clearscore or are there others out there??

oldernonethewiser

Scores don't mean anything it is credit history that is more relevant. 

DullGreyGuy

hosay299 said:

Hi which company is best to have for score checking either experian or clearscore or are there others out there??

They are all random numbers generated by the CRAs to get you to subscribe; they aren't seen by any lender and aren't considered in any lending decision. 

CliveOfIndia

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.