me and my partner were scaring ourselves by looking at house prices last night. this morning i logged into my bank to readjust my ins and outs so i am pumping a little more into savings each month. my account offers a free experian credit score (not report). i hadn't checked in a while so i do a click on it to see - shock horror - score has dropped significantly in the last couple of months.
...panic and flappery...
i then go through everything i can think of, looking for missed payments, i wonder if it is because i converted my monzo to a full bank account recently, i wonder if it is due to registering with CIFAS after my wallet was nicked. i call experian to check if it could be any of those things, they so no - it's all very puzzling. they recommended registering with experian itself rather than getting just the score via my bank account to get a full report.
so, i've registered directly with experian via their site and on there it says my score is 991
There is no such thing as a standard credit score. Your bank will use its own criteria against your Experian data to arrive at its version of your score, and Experian will use their own different criteria for its score.
Perhaps your bank also includes it's own info in their scoring.
i am super confused.
me and my partner were scaring ourselves by looking at house prices last night. this morning i logged into my bank to readjust my ins and outs so i am pumping a little more into savings each month. my account offers a free experian credit score (not report). i hadn't checked in a while so i do a click on it to see - shock horror - score has dropped significantly in the last couple of months.
...panic and flappery...
i then go through everything i can think of, looking for missed payments, i wonder if it is because i converted my monzo to a full bank account recently, i wonder if it is due to registering with CIFAS after my wallet was nicked. i call experian to check if it could be any of those things, they so no - it's all very puzzling. they recommended registering with experian itself rather than getting just the score via my bank account to get a full report.
so, i've registered directly with experian via their site and on there it says my score is 991
WTAFIGO?