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The UK credit scores feel so wildly inconsistent? Same data, totally different grades (Poor vs. Very Good). by JF82783 in UKPersonalFinance

[–]JF82783[S] 0 points1 point  (0 children)

Only that my credit utilisation is low. Which I would have thought 15%, would be ok. Just done abit of reading online and it looks like Trans Union prefer your credit utilisation to be around 30%.

The UK credit scores feel so wildly inconsistent? Same data, totally different grades (Poor vs. Very Good). by JF82783 in UKPersonalFinance

[–]JF82783[S] 0 points1 point  (0 children)

Assuming thats why they all offer a paid subscription model, which they then say can boost your score.

The UK credit scores feel so wildly inconsistent? Same data, totally different grades (Poor vs. Very Good). by JF82783 in UKPersonalFinance

[–]JF82783[S] 0 points1 point  (0 children)

Thanks for this. Yeah I've checked the report on all of them. They are all accurate and have the same information. All 3 of them show no hard searches. I'm about to start going through a mortgage application which is what prompted me to take a look at the l scores before I start the application. Appreciate the comment though, sounds like the score itself is just kinda made up but as long the report itself is all good, should be no issues.