confusing credit score

rassman

I have just done a smart search om moneysupermarket and they give me a good credit rating, i went to check my file and i git an excellent rating, if these two reports are that good then why have i been knocked back by vanquis and monument cards?

anyone have any suggestions?

thanks

SunderlandBlackCat

rassman wrote: »

I have just done a smart search om moneysupermarket and they give me a good credit rating, i went to check my file and i git an excellent rating, if these two reports are that good then why have i been knocked back by vanquis and monument cards?

anyone have any suggestions?

thanks

IIRC Checkmyfile use callcredit - the smallest of the CRA's.

I'd suggest getting a copy of your Experian & Equifax files as callcredit had almost nothing on file for me & what they did have was out of date. The 2 larger ones were much more accurate.

dhassen

Smartsearch on moneysupermarket is pretty naff IMO....... I've got an excellent rating on there.... but they don't know how much I earn, and they don't know how much money I owe.

How on earth can they say I've an excellent rating without knowing these pretty crucial bits of information? I like to use it to get a really vauge idea, it's far from 'gospel'

dhassen

rassman wrote: »

why have i been knocked back by vanquis and monument cards?

Are you on electoral roll? What's your employment status? Do you have adverse credit history?

rassman

dhassen wrote: »

Are you on electoral roll? What's your employment status? Do you have adverse credit history?

full time employment, should be on elctoral roll, will find out for definite when report drops through, and yes adverse credit.

CCJ years ago and all paid off.