Anyone Else Use Clearscore?

[ToraToraTora]

My current score is 520 out of 700, I have nothing bad on the "bad" list and have never welched on any debt ever. What do you have to do to get nearer to the max?

[Hopkirk]

Don't move house.

I was on 545 I think, then moved house over a year ago but it has stuck on a lower figure.

[ToraToraTora]

I haven't moved for over 10 years Hoppy.

[ubasses]

Do you have a credit card, used regularly and repaid on time. They like to see that you can obtain credit and service the debt.

[ToraToraTora]

yes I do exactly that, I repay it each month in full.

[ToraToraTora]

520 is not a low score and I have never had a problem getting credit. I'm just curious as to what would be needed to go higher.

[ladybirder]

If you have a lot of credit cards that can impact your score.

[Zacs-Master]

It says 466+ Is excellent. Seems like a load of old pony to me.

[Canary42]

Have you tried other sites. With what appears to be a similar profile to yours, I've got 999 on Experian - I've not come across Clearscore.

[Prudie]

I use them and have been at 560 for 3 years with no change. I think more credit cards/loans well managed can improve score but why would you want to at that level? Surprised if no-one's heard of them, the adverts with the guy and boxer dog are on all the time.

[kvalidir]

I have 999 on Experian too and I don't move house ever on paper even if I do, have three bank accounts all with overdrafts I use moderately every month then repay, three credit cards and 4 store cards, all of which are used and then repaid in full at the end of every month, as well as 2 savings accounts and three business accounts. I'm also on the electoral roll. Not sure if age has anything to do with it because my grandmother who is very comfortably off had her overdraft decreased when she was 80 for no apparent reason.

[Old_Geezer]

Dread to think what score I'd be. Not had a credit card for years.

[Prudie]

Nor me OG, the way I was treated by Barclaycard back in the day put me off for life.

[chrissa1]

I joined Clearscore and found it not to reflect my “real” Credit score with Equifax. All Clearscore do is look at your Equifax account and make their own decisions.

I get an alert from Equifax every month and I know it’s going to tell me that Clearscore have made an enquiry.

Use Experian or Equifax even though you have to pay.

[ladybirder]

Val I bet it was just because your grandmother was 80 that she had her OD reduced. Lots of unpleasant things happen at 80 such as not being allowed to hire a car or get a loan. I'm not saying they all refuse to do business but things are made more difficult. It's a shame because banks are cottoning on to people living longer and allowing mortgages up to 85 years of age in some cases. I suppose that could be because people of that age will usually have a large amount of equity in their homes hence not such a risk.

[kvalidir]

Yes she had the mother of all rows with them about it and shifted banks on principle. She'd banked there for decades, never owed them anything, had a healthy balance and then they did that. She was convinced it was purely her age.

[ladybirder]

Good for her. Pity more don't do it.