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  • FIRST POST
    • bigdavecox90
    • By bigdavecox90 7th Jul 17, 2:53 PM
    • 174Posts
    • 24Thanks
    bigdavecox90
    Is this even possible?!
    • #1
    • 7th Jul 17, 2:53 PM
    Is this even possible?! 7th Jul 17 at 2:53 PM
    So....I have an account with Experian Credit Expert.

    I recently went through and updated all of the relevant information, which in turn made my credit score increase by 120 points.

    My question being, I am now 1 point away from an 'excellent' score.

    How on earth do I improve it any further just to gain that excellent status?!

    Thanks guys
Page 1
    • zx81
    • By zx81 7th Jul 17, 3:02 PM
    • 16,792 Posts
    • 17,805 Thanks
    zx81
    • #2
    • 7th Jul 17, 3:02 PM
    • #2
    • 7th Jul 17, 3:02 PM
    So...

    Your score is mostly fictional and entirely meaningless. It'll bounce around as and when it feels like it.

    Ignore it like a drunk sat next to you on a bus.
    • bigdavecox90
    • By bigdavecox90 7th Jul 17, 3:14 PM
    • 174 Posts
    • 24 Thanks
    bigdavecox90
    • #3
    • 7th Jul 17, 3:14 PM
    • #3
    • 7th Jul 17, 3:14 PM
    So...

    Your score is mostly fictional and entirely meaningless. It'll bounce around as and when it feels like it.

    Ignore it like a drunk sat next to you on a bus.
    Originally posted by zx81
    So the point in actually paying for a Credit Expert account is....?
    • molerat
    • By molerat 7th Jul 17, 3:18 PM
    • 18,563 Posts
    • 12,720 Thanks
    molerat
    • #4
    • 7th Jul 17, 3:18 PM
    • #4
    • 7th Jul 17, 3:18 PM
    Paying for it !!! There is no point paying for it at all. You can get it for free through the MSE Credit Club.
    www.helpforheroes.org.uk/donations.html
    • bigdavecox90
    • By bigdavecox90 7th Jul 17, 3:23 PM
    • 174 Posts
    • 24 Thanks
    bigdavecox90
    • #5
    • 7th Jul 17, 3:23 PM
    • #5
    • 7th Jul 17, 3:23 PM
    Paying for it !!! There is no point paying for it at all. You can get it for free through the MSE Credit Club.
    Originally posted by molerat
    I pay a monthly subscription to Credit Expert currently, I'm guessing from what you've said this isn't needed then?

    Sorry, fairly new to me!
    • zx81
    • By zx81 7th Jul 17, 3:24 PM
    • 16,792 Posts
    • 17,805 Thanks
    zx81
    • #6
    • 7th Jul 17, 3:24 PM
    • #6
    • 7th Jul 17, 3:24 PM
    So the point in actually paying for a Credit Expert account is....?
    Originally posted by bigdavecox90
    To help fund the CRAs.
    • DCFC79
    • By DCFC79 7th Jul 17, 3:26 PM
    • 31,599 Posts
    • 19,940 Thanks
    DCFC79
    • #7
    • 7th Jul 17, 3:26 PM
    • #7
    • 7th Jul 17, 3:26 PM
    I pay a monthly subscription to Credit Expert currently, I'm guessing from what you've said this isn't needed then?

    Sorry, fairly new to me!
    Originally posted by bigdavecox90
    Id cancel that subscription asap and save yourself some money.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • bigdavecox90
    • By bigdavecox90 7th Jul 17, 3:38 PM
    • 174 Posts
    • 24 Thanks
    bigdavecox90
    • #8
    • 7th Jul 17, 3:38 PM
    • #8
    • 7th Jul 17, 3:38 PM
    Thanks guys, I can register for the MSE Credit Club and get all of the same information for free?
    • DCFC79
    • By DCFC79 7th Jul 17, 3:54 PM
    • 31,599 Posts
    • 19,940 Thanks
    DCFC79
    • #9
    • 7th Jul 17, 3:54 PM
    • #9
    • 7th Jul 17, 3:54 PM
    Thanks guys, I can register for the MSE Credit Club and get all of the same information for free?
    Originally posted by bigdavecox90
    Yes, that's why its there, can also get the same info from clearscore and Noddle, not every lender will use the same agency, some can use 2 or all 3 if they wish so its best to check all 3.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • bigdavecox90
    • By bigdavecox90 7th Jul 17, 4:00 PM
    • 174 Posts
    • 24 Thanks
    bigdavecox90
    Yes, that's why its there, can also get the same info from clearscore and Noddle, not every lender will use the same agency, some can use 2 or all 3 if they wish so its best to check all 3.
    Originally posted by DCFC79
    Thank you very much for your advice here
    • RG2015
    • By RG2015 7th Jul 17, 4:00 PM
    • 1,214 Posts
    • 710 Thanks
    RG2015
    Thanks guys, I can register for the MSE Credit Club and get all of the same information for free?
    Originally posted by bigdavecox90
    Yes, it's free but bear in mind that it is only updated once a month as are the other free services from Clearscore (Equifax data) and Noddle (CallCredit data).
    Last edited by RG2015; 07-07-2017 at 4:03 PM.
    • Samsung_Note2
    • By Samsung_Note2 7th Jul 17, 4:15 PM
    • 405 Posts
    • 164 Thanks
    Samsung_Note2
    Yes, it's free but bear in mind that it is only updated once a month as are the other free services from Clearscore (Equifax data) and Noddle (CallCredit data).
    Originally posted by RG2015
    I believe GiffGaff update on a daily basis.

    Big Dave the advice above is 15.99 can you please throw it in the same bottomless pit as the rest of money sent to Experian.

    If you dont an even bigger Dave will come along and call you Shirley.
    • MEM62
    • By MEM62 7th Jul 17, 4:19 PM
    • 1,571 Posts
    • 1,193 Thanks
    MEM62
    So the point in actually paying for a Credit Expert account is....?
    Originally posted by bigdavecox90
    There isn't one.
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