ClearScore uses Equifax, Noddle uses CallCredit, which one is for Experian?
MSE Credit Club is what i use. I dont know if there is another free one, there must be
Mse credit club is the only decent one. Experian do provide a free credit checker but it only shows your score.
MSE Credit Club is the one I use for Experian.
MSE Credit Club can’t find my report, despite the fact that Experian can with the exact same details
Any idea why closing one savings account and opening up another would negatively affect my credit score?
I get a weekly report from Noddle, and this last week my score dropped for no apparent reason? The only thing that changed was the aforementioned closing / opening of savings accounts?
The length of time accounts have been opened has always been an important factor on a credit report.
I didn’t think a savings account would affect it, what with no credit being offered/available? I’d only had the account I closed for about 10 months too.
Your credit report isn’t just about your use of credit, its about your financial risk. Opening and closing accounts is seen as a risk, it never affects a score for long though, once it jumps past the opened in the past the 3 month marker it has less of an effect.
Past a year then 1 year, 5 years, 10 years, makes no difference, but a year is the magic marker, most contracts are for a year.
You have to remember companies don’t see things individually, they see it in figures.