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False score of 999 and zero total borrowing in Experian
Sir_Render
Posts: 16 Forumite
Logged in to Experian yesterday, and checked again this morning, and I suddenly have a score of 999 and zero total borrowing in Experian. It shows I have only 1 credit card and no loans. This is completely wrong information - should I be worried - or is now the time to apply for a mortgage!!!
I don't really want to pay £14.99 to work out what is going on.
The last time I checked was about two months ago and I think all was accurate then.
I actually have 5 credit cards and 1 loan and I do have some borrowing.
I don't really want to pay £14.99 to work out what is going on.
The last time I checked was about two months ago and I think all was accurate then.
I actually have 5 credit cards and 1 loan and I do have some borrowing.
0
Comments
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You don’t need to pay at all when you can access it free with the MSE Credit Club.
What do your other reports (Experian, TransUnion) show?0 -
You don’t need to pay at all when you can access it free with the MSE Credit Club.
Sounds great. Why can't I find anything on MSE about a credit club (haven't had my morning coffee yet!) - can you help me as to where to go?
[QUOTE=_What_do_your_other_reports_(Experian,_TransUnion)_show?[/QUOTE]
I haven't checked anything other than Experian. Was considering signing up for a free trial on Equifax.0 -
https://www.moneysavingexpert.com/creditclub for Experian data
https://www.noddle.co.uk/sign-up-new for Transunion data
https://app.clearscore.com/signup for Equifax data0 -
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https://www.noddle.co.uk/sign-up-new/about-you
https://app.clearscore.com/signup
https://clubs.moneysavingexpert.com/creditclub/register
All free. Each one is for a different CRA.
Edit: A tad slow I was!0 -
Thanks everyone. I've logged in to MSE Credit Club and now see a far more believable picture. Darn!0
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Experian is obviously having a blip, although the MSE Credit Club pulls the data from Experian.
Strange one...0 -
Sir_Render wrote: »should I be worried - or is now the time to apply for a mortgage!!!
Just so you know, credit scores are pointless. Ironically if you had tried to apply for a mortgage based on this score, you'd likely have been rejected because you have no credit history!
Mortgage advisor saying credit scores are meaningless:
https://forums.moneysavingexpert.com/discussion/5659874
999 scores, keep rejected:
https://forums.moneysavingexpert.com/discussion/3158508
Experian admit credit score pointless:
https://forums.moneysavingexpert.com/discussion/4858881
Bankrupt and with 999 score:
https://forums.moneysavingexpert.com/discussion/4099257
Post #10 is really good on this thread:
https://forums.moneysavingexpert.com/discussion/3158508
Post #10 onwards about how pointless credit scores are:
https://forums.moneysavingexpert.com/discussion/5663181I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com0
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