Experian has locked my credit score without my permission

saajan_12

Lovedogs12 said:

Nasqueron said:

Please stop referring to an "excellent" credit score - in the UK you do not have a credit score - lenders never use, or even see, the gimmick score.
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 If lenders don’t get to see this credit score or report or whatever, why are two lenders telling me that this is the problem?! Experian themselves have confirmed this issue also? I have a copy of own report which shows no anomalies whatsoever. This is what I assume the lenders are referring to so therefore they must access this info in some form. Otherwise what is the point of Experian?? 

Experian collate and disseminate information about your credit history - eg what open credit cards / loans / accounts you have open and your history of payments. Banks and card issuers buy this info which they analyse using their own criteria determine whether to give you a credit card. Experian also analyse this info to come up with a "score".

The point people are making is that the analysis may not be consistent and so what Experian calls 'excellent' may be interpreted differently by the card issuer. 

jackjones01

make sure you haven’t accidentally locked your credit report.