Do I really need to check all the Credit Agencies?

Money_and_Travel

I've just checked Clearscore, and as I expected, it's come back clear, with a rating of 733 stable out of 1000.

Only one search in the last 6 months, when I obtained my Credit Card.

2018 - 0 Missed Payments.
2019 - 0 Missed Payments.
2020 - 0 Missed Payments.
2021 - 0 Missed Payments.
2022 - 0 Missed Payments.
2023 - 0 Missed Payments.
2024 - 0 Missed Payments.

Credit Card - Last balance £0
Utility (water) - Last balance £0
Telecoms - Last balance £0
Current Account - Overdraft used £0

Is there any point in checking other agencies?

molerat

Yes in case there are any erroneous entries.  Not all organisations report to all 3 nor do lenders request data from all 3.

Money_and_Travel

I've checked 2 of them.

I'm waiting for them to send me the Passkey for the Experion one.

The 2 I've checked have come back clean.

stewartwilliams

Clearscore shows me my defaulted credit card from just under 6 years ago; my O2 contract; car loan that finishes in just over a year; 2 credit cards.
700ish out of 1000 for its fake score.

Experian, I'm waiting for the passkey as well, but it's fake score has dropped 115 to 300ish this month.

Transunion, I get for free through the Lloyds banking app, and that shows 3 x CCJ from Erudio Student Loans (Drysden Fairfax?).  Judgments, 2 from the 7th Jan 2019, and one from the 12th Dec 2018, so I assume they drop off in the next 6 months.  Not on Clearscore.
545 out of 710 for their fake score.