Credit Report Query

dumpster_fire2025

Yeah, I got this.

A quick Google showed that it was Octopus.

ZeroG82

Following on from the earlier debacle I really don't know what's going on here for such a jump.

flaneurs_lobster

Well done, you've maxed out your credit score.

Shame that it means nothing to anyone but you.

Nasqueron

https://forums.moneysavingexpert.com/discussion/comment/82159715#Comment_82159715

Nobody but you ever sees the gimmick score, don't worry about it

ZeroG82

I realise the actual score is not all that useful really. Currently have an offer out on a house and I'm aware lenders have their own scoring systems anyway but I find the score or at least report helpful for keeping on top of things and a warning of anything funny happening.

I just thought it weird that there was such a big jump when nothing major has happened as far as I am aware.

CliveOfIndia

"I just thought it weird that there was such a big jump when nothing major has happened as far as I am aware."

That just goes to prove how utterly meaningless the score is.

"I realise the actual score is not all that useful really … lenders have their own scoring systems"

I mean, you've answered your own question, really. The only score that matters is the lender's own internally-generated score. That score is commercially sensitive and highly confidential, no-one will ever know what it actually is. And one lender will score you differently to another, since they each have their own risk appetite, lending criteria and target customer base.

The only possible use the CRA score might have is to alert you to a change in your credit profile, but aside from that it's as much use as a chocolate teapot.

dumpster_fire2025

https://forums.moneysavingexpert.com/discussion/comment/82160257#Comment_82160257

It's not helpful though, as you can see.

The only way you'd know if it's somewhat accurate is to check your report, which somewhat defeats the purpose of having a "score" in the first palce. Might as well just check your report.