Clearscore
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Do they only check with loan sharks and dodgy Dave down the pawn shop?
They don't check with anyone. They receive data from those provide it.
Escalate a dispute with Clearscore to see if they can find you.
Remember that you don't want them to make you up a pretend score though - you can do that yourself. You just want to know if they have any accounts on record for you.0 -
Sorted at last, having raised a dispute and explained that their system "must" be at fault, they did something to allow me to re-register and this time it's come up with a decent score. Really not at all sure what went wrong, but knowing how easy it is for them to come up with completely misleading information is quite scary.
I'm fairly sure it also contributed to us being turned down for one house rental, where the estate agents recommend ClearScore for credit checking.
Anyway they were reasonably responsive and corrected their mistake, so good now.0 -
Either way, no one looks at the score.
So please pay no attention to it.0 -
I'm currently abroad and will be for the next 9 months and unable to access clearscore. Contacted customer services and they advised me that it's no longer accessible outside of the UK. Not much use really with this restricted use.0
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Not sure that's true. The vast majority of users will be UK based.0
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asif00 said:I'm currently abroad and will be for the next 9 months and unable to access clearscore. Contacted customer services and they advised me that it's no longer accessible outside of the UK. Not much use really with this restricted use.0
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OK so I went and looked at my clearscore rating. I think I signed up years ago, and got an email reminder, and it says Im 519 which is poor. For comparison I signed up with Experian, and they say my score is 999 as high as it can go. looking back on clearscore I can see it has not a recent drop either.
Clearly theres some differences in metrics here? For what its worth, I have never had a penny of debt, apart from minimal use of a credit card, which has been paid off in full each month. I am currently not employed by choice, taking a career break, and have good savings. Ive always been single and resident at the same property I have been for decades.
Any thoughts?0 -
WobagUK said:OK so I went and looked at my clearscore rating. I think I signed up years ago, and got an email reminder, and it says Im 519 which is poor. For comparison I signed up with Experian, and they say my score is 999 as high as it can go. looking back on clearscore I can see it has not a recent drop either.
Clearly theres some differences in metrics here? For what its worth, I have never had a penny of debt, apart from minimal use of a credit card, which has been paid off in full each month. I am currently not employed by choice, taking a career break, and have good savings. Ive always been single and resident at the same property I have been for decades.
Any thoughts?0 -
WobagUK said:For what its worth, I have never had a penny of debt, apart from minimal use of a credit card, which has been paid off in full each month.
. . .
Any thoughts?Having little or no credit history makes it difficult for lenders to assess your creditworthiness so this could go against you when applying for credit.Bear in mind that these credit reports are available for free because their purveyors are trying to earn a commission from any credit you apply for through them or to sell you unnecessary bolt-ons to their service.Use them to keep an eye on unexpected financial events, e.g. an unexpected search on the report, but ignore their guess at a "score" and they could serve you well.
Warning: In the kingdom of the blind, the one-eyed man is king.0
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