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Do you show on the electoral roll on the CRA reports? Any recent applications for credit (whether successful or not) within the last year. Do you share any accounts with anyone? When you say you pay debts & credit on time, does that simply mean no late payment markers, do you carry a debt balance over (if you have a £500 credit limit and always hovering just below that could negatively impact your score.
The reason why people say ignore the score as it does not really reflect ability to get credit - just because a score is say 1/5 does not necessarily mean hard to get credit, and having a score of 5/5 does not mean you can easily get credit (hence the plethora of "I have 999 on experian why can I not get ...." type posts) .
Originally posted by nic_c
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So whats the point in anyone having a ''score'' then if it's completely irrelevant?
Seems like a pointless exercise.
In answer to your questions, yes i am on electoral role and have been for 6 years, I havent moved house, i dont share debt in any joint names whatsoever and yes i do have a couple of credit cards that are near there limit.
The big question for me is..............if your score is totally irrelevant how would you know if you were doing well/bad?