When I was younger my mum used to work for a loan company and it use to go of the address back then an when people didn’t pay they blacklisted the address not the persons name so maybe that’s why we have credit scores? Based on individual rather than address but I don’t know how they actually work it’s annoying like other users have said it can be different across different credit agencies im 674 with clear score but 850 with Experian? It doesn’t make sense
I think moving also statistically increases your chance of being a victim of fraud and so lowers your score to reflect that risk. Debts are often secured to an address so at least by seeing your report you can check active debt linked to your name and address are all correct and alert CIFAS if not
Credit reference agencies absolutely don’t attach other people’s history at one location to your file if you’re at the same address, either living with those people or there after them. The only way others’ credit history has any bearing on your file is if you’re financially linked, though a joint account or mortgage.
An address having a ‘bad credit reputation’ is a myth.
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My Barclaycard comes with a free credit score from someone. Actually looked at it the other day.
Had historical data too
999/999
999/999
999/999
987/999
999/999
999/999
No explanation for the random mini drop.
All these are good for is checking there’s no incorrect info against you.
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I’m on the electoral register. It feels a little odd but ultimately nothing else has changed in my work/income/accounts held so I’m sure it will revert back over the next few months. One of my credit cards actually wrote to me this weekend saying they were going to increase my limit this (I’ve never felt that comfortable with this concept, feel it encourages unnecessary borrowing and in my case is pointless as I’m only using about 20% of my existing limits across various cards).
Sorry, bringing back something so old. I’d just been answering a different post and checked my app and saw Lender View
So the actual question about it is there’s a safety buffer section which looks at your savings accounts etc etc. Given that pots aren’t reported do you think that has an effect on lenders when they’re looking at things such as mortgages or higher loans then normal.
I’ve plenty buffer stashed away just interested in what other people’s views on this are.
That’s interesting. Using Starling’s Goals I’ve managed to build up more of a buffer than I’ve ever had before. In-app Starling reports the account balance as a total of all balances ie. If your ‘current account’ has £2,000 in it, and your goals combined have £5,000, Starling shows your overall cleared statement balance as £7,000. I wonder, therefore, if Goals sub-balances are reported through to this ClearScore feature.
It may be the Open Banking limitation actually as I linked up my Monzo account to it but that only pulls through the main current account part and not the pots.
Just realised after scrolling through Clear Score
This is fascinating, but sadly not in mine. Did you opt into beta features anywhere, or did it just pop up?
I know that for open banking the goals are reported separately.
I’d be interested to know what what data the credit reference agencies are seeing and at what granularity from Starling and Monzo.
So you’ve connected your Monzo account do Clearscore via open banking, rather than relying on the information they hold on you?
If that’s the case, what’s the benefit to you? Is there a nice account aggregation screen? Are there any disclaimers about what Clearscore will do with the data?
I think that’s a Clearscore choice. Monzo and Starling report pots and goals via their APIs - but separately instead of part of the main account balance. So Clearscore must be only pulling through the main account excluding pots.
Basically it pulls in any accounts you decide to link up (well the ones in the list) to show an insight into what lenders may be looking at.
I think it works without having to pull accounts in but by letting it pull the other accounts transactions lists in it can refine that view.
I must have had it added at some point as my accounts were there it just showed as the linking period had expired. So no idea when I started using it as I don’t actually recall using it before 🤦
To be fair I’m not interested in what they do with any data, I don’t read that stuff they can do whatever they like with that.
Not sure if anyone will see this…
I just logged onto my ClearScore for the first time in months and it says I am not on the electoral roll as of December…… I have been on it at my current address for 4 years now, so surely I haven’t been removed from it!
I’ve sent them a support email to see if it’s an error or not. I did almost go through the register to vote form on the gov website but thought I’d best ask ClearScore first.
EDIT: I just got a reply from my local council and they confirmed I am on the electoral roll, so guess the issue is with ClearScore/Equifax.
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Seems to be an issue with ClearScore or Equifax because it’s saying that my home address “needs attention”. When I click on that it all seems OK.
I’ve been on the electoral register for 22 years at my current address!
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I opened a case with them and sent them a screenshot of the email from my local council, lets see what they say I guess!
2 days ago my ClearScore showed a new note about my Electoral roll update 
It does every (beginning) January 
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Oh that’s strange, I’ve never noticed that before. So it always says you aren’t on it December then says you are on it January? 
Same here
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