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One accidental missed payment halved credit rating
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There appears to be very mixed advice online about this matter, some banks say they do check an individuals credit score with the CRA`s, but they also run their own credit scoring process alongside this.
According to Martins advice, which granted is from a few years ago now, this wasn`t the case in the past, maybe it is is now, I don`t know, I`m now as confused as anyone about this.
So, I will look into this with MSE, see if we can get a clearer answer, because the last thing we want to be doing is giving out incorrect or out of date information.
I shall update when I know more.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter2 -
NatWest can view your credit report if they need, they do not see the fake score.vienna28 said:In the NatWest online banking app, there is a feature called "know your credit score" and it does show you your latest credit score and report from TransUnion.Now whether NatWest can view this, I do not know.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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