Top five tips to improve your Experian Credit Score

[johnroberts]

When companies check your credit file they do not see your score, only the information on it. The credit score on your file is only an indication of what your score is. Companies will use they're own calculations to grant you credit or not.

[xbeanx]

I took out a Barclaycard which should of come with the free Experian Credit Score feature but when I went to activate said feature I was later told by a Barclaycard email that Experian was unable to verify my identity. If that's the case then how come I managed to get a Barclaycard in the first place? Seems ridiculous. I really don't want to send out physical copies of things as (A) people rarely get paper bank statements (B) not everyone has a car with driving license (C) not everyone goes abroad to have a passport (D) not everyone has paper utility bills. annoying!

[girlzaloud]

Hello please can you help I tried to get a phone contract for £30 a month but when they did my credit check it was declined. This is the first time I've ever taken a contract out and have never owed any money or taken a credit card out as i am only 18 what do I do?

[lukeallan]

I am interested in working in finance industry in the future but I have a bad credit history. I know the bad credit will go against me and may prevent me from getting a job. But what if after 5 years you built your credit score. I mean will banks look into your bad credit history even if they are like 5-6 years ago?

[Unfoldedwarrior]

i didnt understand "keep your balances low".. if i have an overdraft limit.. does that mean i have to stay close to zero? when i listen to the credit score % calculation, i have better chance if i keep a lot by the end of a month cycle.. im confused. am i being encouraged to spend more but not exceed the limit to get more credit points?

[sandgrownmanc]

No such thing as a "credit score" and you know it.

[remylebeau]

How much does electrol thing give in credit score? I need 29 points to be in good which makes zero sense because i have 0 negatives and 3 positives. So i need to get into good fast

[ExperianUK]

Do you have any financial new year's resolutions? If you're thinking of applying for credit, here are five tips to help improve your credit score in the new year.

[markjacob]

why is my transunion 693, equifax 686, and "experian 620" , why so far behind the others?

[shan]

Hi does checking credit score lower the credit ratings?

[nortonchow]

I have a “Defaulted/Ended” account on my report that reads...
“Account Settled: 06/08/2014”

It also states...
“Last Updated: 20/09/2015”

Does that mean the defaulted account will disappear from my credit report in August 2020 or September 2021?

Would appreciate any advice.

[paypalpay]

How many bank debit cards can I have without affecting my credit score