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Chit Chat
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Have you ever checked yours?
Mine has always been 999 which is full marks.
Had a look in yesterday, just to see if the lifetime access works, and indeed it does!
Mine has slipped by 9 points and, whilst this is still labelled as excellent, I feel violated!
Racked my brain to think how this could be, and the only happening that may have caused it is that Pay-Pal failed to
make my subscription payment to Gruss, due they said to my new issue card (on the same account) wasn't recognised!
This despite the fact that i went through the motions of registering it!
I suffered an impossible situation, having waited for a response to me e-mail and, in the end, finished up speaking to some woman
in India that I just couldn't understand at all!
Second woman was almost as bad, but did say it would be made on the next request.
Well, it wasn't, so I sent it manually which is most strange, as they had said the card wasn't linked to my account!
They tried again later and it still bounced but fortunately replied to me with a procedure to register the card.
Bit of a bar steward when one can't protest, and I know it's only 9 points, but it could have been any number of points, and it would be
better if they were forthcoming with the reason for the reduction.
It just goes to show how vulnerable we are to the mistakes of others!
Mine has always been 999 which is full marks.
Had a look in yesterday, just to see if the lifetime access works, and indeed it does!
Mine has slipped by 9 points and, whilst this is still labelled as excellent, I feel violated!
Racked my brain to think how this could be, and the only happening that may have caused it is that Pay-Pal failed to
make my subscription payment to Gruss, due they said to my new issue card (on the same account) wasn't recognised!
This despite the fact that i went through the motions of registering it!
I suffered an impossible situation, having waited for a response to me e-mail and, in the end, finished up speaking to some woman
in India that I just couldn't understand at all!
Second woman was almost as bad, but did say it would be made on the next request.
Well, it wasn't, so I sent it manually which is most strange, as they had said the card wasn't linked to my account!
They tried again later and it still bounced but fortunately replied to me with a procedure to register the card.
Bit of a bar steward when one can't protest, and I know it's only 9 points, but it could have been any number of points, and it would be
better if they were forthcoming with the reason for the reduction.
It just goes to show how vulnerable we are to the mistakes of others!
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It just goes to show how vulnerable we are to the mistakes of others!
And it makes it worse when you're liable for those mistakes. |
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No,i have never checked mine.
I hope it isn't bolluxed altogether come Friday evening. That ad for it must be a bit of a peess-take, would ya really go checking your score after just moving all your gear into a new abode? No,you would tell the bitch from hell to take a running jump,instead this ball-less wimp says i'll get onto that right away, no bottle of fizzy stuff or even a cup of tea,straight on to credit score. I'd say he will see sense in less than a month and will be legging lively out of it without giving a tuppenny about credit score, if ya start like that it can only get worse. |
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Aunty, have you done any of the following in the last 6 months:
Made a late payment Made a new credit application Taken out a new credit account Also, have you recently closed any credit accounts or are you using more of your available credit? It wont be the Gruss payment. You don't sign a credit agreement for that and without a credit agreement, it cannot be reported to the credit agencies. It's why Sky TV doesn't show up on reports but Virgin does. |
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Also, credit score means **** all, its the report companies are interested in. Every company has different criteria so even though you may have a perfect record, there may be something on it that companies don't like, like moving address too frequently or taking out a payday loan, that sort of thing. A payday loan shows that even though you are good with credit, finances are strained badly to resort to such measures.
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People who deal with the public have to know who they are dealing with.
Companies like Experian are vital in this respect. Would any of you trust a complete stranger with your money, your goods or your property without doing a proper check on that person? |
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As I said at the start, nothing has changed in my financial affairs, and I haven't had credit for anything, in the last seventeen years.
I have a Barclaycard, which I only use for security reasons, and it actually has a credit balance of £2.31....lol The reality is, it won't matter one jot, if I had a credit score of 003 (aside from personal pride)! |
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Treble is absolutely right. Anyone who pays a monthly fee to get something they can pretty much get for a statutory £2 fee is a fool.
Almost every lenders "scoring model" is different and will use a combination of your demographic/application data and some data from one or more of the three major Credit Reference Agencies. Many don't even use Experian, let alone the score they construct on you from your Credit Record. Still "a fool and his money are soon parted". As the saying goes. |
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http://www.which.co.uk/money/credit-cards-and-loans/credit-scores/guides/checking-your-credit-report
This is a link to the Which advice on getting a copy of your Credit report from each of the big 3 agencies for the statutory fee of £2. |
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Why would anyone pay a monthly fee to get their own credit report?
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Read the Experian adverts, Crippen. They have turned paying for what you can get for free into an art form.
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https://www.creditexpert.co.uk/
Here you go Crippen - £14.99 a month. |
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How come I can just pull it down without paying a fee?
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And some credit card companies will turn you down for a credit card although you might have an excellent credit rating.
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Hopefully you get this sorted before you die and get buried with that nice 999
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The reality is, it won't matter one jot, if I had a credit score of 003 (aside from personal pride)!
Do you have drinks with mates and compare credit scores  |
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Not had debt in 17 years but pays a monthly fee to see credit score
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Jack Hacksaw 14 Mar 17 16:59 Joined: 08 Jan 02 | Topic/replies: 3,303 | Blogger: Jack Hacksaw's blog And some credit card companies will turn you down for a credit card although you might have an excellent credit rating. It's luck of the draw i know someone with the worst rating you could get as never paid nothing back he got £1200 on a aqua credit card.I treid for one got £150 starter pack |
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https://www.clearscore.com/
try this free one if your really into checking your scores |
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Chaser, I think you have lost the plot (if indeed you ever had it)!
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Aunty Post - "How come I can just pull it down without paying a fee"
What are you pulling down for free and from whom? |
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Aunty ive lost the plot
I'm not paying people money to have a 999 score when i have not had debt in 17 years Seriously why you care about 999 or 990 did anything change after the 09 point drop ? As I said at the start, nothing has changed in my financial affairs, and I haven't had credit for anything, in the last seventeen years. The reality is, it won't matter one jot, if I had a credit score of 003 (aside from personal pride)! |
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blackbarn 14 Mar 17 18:52 Joined: 02 Jan 05 | Topic/replies: 8,127 | Blogger: blackbarn's blog
Aunty Post - "How come I can just pull it down without paying a fee" What are you pulling down for free and from whom? Brain box does not know how to cancel a direct debit or if he/she does they are scared of the a few points drop so won't do it. |
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This is a person who's son knows NASA people
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RANCID Company Robbed people for Years ,The wheels have fallen off with free Scores freely Available ..
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Trouble is case, even the free scores are poor value for money
 Remember what lenders want, they want borrowers who will not default (in great numbers) and they want people who borrow AND REVOLVE (thereby maximising interest revenue). They do not want people with impeccable credit records who pay off the full amount every month. Virtually all lenders models will look favourably on those who revolve but have never defaulted. Additionally virtually all lenders models will use personal/demographic data which is totally unrelated to one's credit record as recorded by an agency - Age, geographic location, home-ownership, job title, salary longevity of location and employment etc etc etc. |
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Blackie exactly ( sort of luck of draw with some credit places )
If you pay off the lot evry month with basically any interest and you go for another cad or loan they will think we can't make sh1t of this fella. But if they see you took out a £500 loan and missed 5 payments but covered it later on at extra % then there you go step this way my Mohammed. |
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I honestly don't follow why the animosity from a few on here!
My OP was to offer friendly advice, and to ask if others on here had experience. I don't follow where accusations of paying a monthly fee have been assumed, as there is no fee, as far as I am aware! . http://www.experian.co.uk/?sc=701692&bcd=Brandgeneric&utm_source=adcenter&utm_medium=CPC&utm_campaign=EX%2BTop+20%2BUK%2BENG%2BSPART&utm_adgroup=Experian+Credit+Report%2BEXACT&utm_term=experian%20credit%20report&utm_matchtype=e&utm_content=%7bcreative%7d&dclid=CI26jr6k2dICFQas7Qod_mENeQ As someone has said, applications for additional credit cards may well be declined, where there is knowledge of the applicant settling to avoid interest. That raises the question, as to why that person would want/need another credit card! The more likely scenario, is where people are looking for other forms of finance, such as HP. In this instance, lenders would be more amenable, by seeing that the applicant can reliably meet the repayment schedule. |
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Initially, I got turned down for cashback barclaycard despite having good credit history.
They explained that it was nothing personal, but I didn't fit their criteria i.e. they don't want people who pay off in full each month. The point is, that when you get turned down for a credit card, you think, sh1t, what is the problem and start checking they have the correct info. I kicked up a bit and got one. (It is my only one btw) |
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Aunty - Not sure there is much animosity towards you on this subject. You raised a number of questions and made comments and observations. It seems to me that you have been given information about how credit records and scores work by folks who have more experience and understanding of personal finance than you do.
Just a couple of final observations, if you are paying Experian nothing, what you are getting is worse value than what you can get under current legislation by getting a full copy of your credit record for just £2. An Experian 999 (or less) credit score is ONLY relevant IF your chosen lender used ONLY that score to determine approval decisions. Virtually none do. Of course your Experian "score" is totally irrelevant where lenders don't use there information at all. |
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Do people still live of credit cards ?
I thought they where just to get and rip off and then new one comes along so same again |
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Thanks Blackbarn, as that will be good advice for those who need it, before applying for cards or HP.
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My score is 582
GUTTED |
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i can still get credit though
It's just out very poor and into poor ill let it ride to average before i spank them again |