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100 point credit rating drop after new ee home brand and mobile phone upgrade
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bradleysimps
Posts: 10 Forumite
1st time poster here, and I'm at a loss.
My credit score was 900+ somthing until I got my 2 teenage sons a long over due mobile phone upgrade a couple of months ago and trying to save a few quid switched broadband provider to ee as well.
Now its dropped from 907 to 818
and as it is 742 was as high as 925 12 months ago.
I was looking at consolidating some older debt and couldn't figure out why I couldn't see any offers at the lower end of the % scale until I checked my credit score.
EE have changed the way they bill you as well 1 account & direct debit for the mobile phone device and another for the line itself.
Maybe if I consolidated the 2 device accounts this might help?
My credit score was 900+ somthing until I got my 2 teenage sons a long over due mobile phone upgrade a couple of months ago and trying to save a few quid switched broadband provider to ee as well.
Now its dropped from 907 to 818
and as it is 742 was as high as 925 12 months ago. I was looking at consolidating some older debt and couldn't figure out why I couldn't see any offers at the lower end of the % scale until I checked my credit score.
EE have changed the way they bill you as well 1 account & direct debit for the mobile phone device and another for the line itself.
Maybe if I consolidated the 2 device accounts this might help?
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Comments
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Ignore the numbers. They mean nothing to lenders. They never see them. Just CRA made it up.Life in the slow lane2
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I "score" 999/999 in one place but don't have a perfect score elsewhere.
Each CRA is different and only YOU see the numbers.
What you do need to do is check information is recorded correctly.
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I don't think it's anything to do with this imaginary number that you can't see any lower APR consolidation cards, it's just how things are right now4.29kWp Solar system, 45/55 South/West split in cloudy rainy Cumbria.0
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take a look at your credit reports and see if there's anything worrying there. if there isn't, stop worrying.
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⭐️🏅😇0 -
The number presented to you by the CRA's as you 'score' is a marketing tool to sell you their products and those that they promote on behalf of others - nothing more. It carries no weight and you can safely ignore it.bradleysimps said:1st time poster here, and I'm at a loss.
My credit score was 900+ somthing until I got my 2 teenage sons a long over due mobile phone upgrade a couple of months ago and trying to save a few quid switched broadband provider to ee as well.
Now its dropped from 907 to 818 and as it is 742 was as high as 925 12 months ago.
There is no point in fretting over an imaginary 'score'.
I was looking at consolidating some older debt and couldn't figure out why I couldn't see any offers at the lower end of the % scale until I checked my credit score.
This will not be related to any number being 907, 818 or anything else.
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