This is just a moan, because I do understand that credit 'scores' are only really meaningful to the CRA that generates them, and when deciding whether or not to extend you credit, providers look at the actual activity on your accounts and so on and don't see the CRA score at all.
BUT, it is annoying me so much that despite me not having had a late or missed payment in over 5 years, staying well within credit limits, not being turned down for credit- in fact since opening a mobile phone account for ds1 in May, not applying for any credit and in the 2 years before than making a grand total of 2 applications which were both accepted (for a credit card and a mobile phone account), making sure all the things they say are important (electoral roll etc) are done, my credit score is miserably low. It has just gone down according to noddle and experian (although gone up with clearscore), even though the only thing that has changed is that I've increased the amount I pay off my credit card each month! I can't see why it's not rising and I definitely don't understand why it's gone down with some CRAs.
I have a default which was settled ages ago and which will drop off in August/ September 2018, so I don't expect to have a really good score for another year, but honestly, since 2012 every single account on my credit report is consistently green and I have never been even close to my credit card limit or late paying any bill by even a day. What more can I do to make CRAs happy?!