Allaince Prem Current Account ?

YorkshireBoy

A credit 'report' contains FACT. A credit 'score' contains OPINION.

Lenders base their lending decisions on FACT (they input the data supplied by the CRA's into their own sophisticated scoring systems)...not the OPINION of a credit reference agency in the form of a so-called score.

The CRA supplied scores are just a way for them to make money from the gullible and insecure (no offence intended...to you or others reading).

I imagine a CRA 'score' could change several times a month...maybe even daily if there is a lot of activity with the DATA on your file, ie several searches, lenders' monthly updates, etc.

whowantsin

YorkshireBoy wrote: »

A credit 'report' contains FACT. A credit 'score' contains OPINION.

Lenders base their lending decisions on FACT (they input the data supplied by the CRA's into their own sophisticated scoring systems)...not the OPINION of a credit reference agency in the form of a so-called score.

The CRA supplied scores are just a way for them to make money from the gullible and insecure (no offence intended...to you or others reading).

I imagine a CRA 'score' could change several times a month...maybe even daily if there is a lot of activity with the DATA on your file, ie several searches, lenders' monthly updates, etc.

you've been really helpful im going to request my report via post from all three and try to make sure everything on it should be right and also try to improve my score if u have any ideas on this plz tell thanks ?

whowantsin

one more thing i forgot to mention my partner has check my file had paid 15 pounds for 3 months checks on all three agencies not only do you get a score but u also get your data with it on all three agencies which i know isn't the cheapest but updates your data whether uv missed any payments or cleared anything on it ,,
i may just get it in writing as its cheaper still undecided yet