Credit score...why are they all so different?

[Littlebitpsycho]

Long story short, my landlord is selling up and I have to move. Hopefully found a new place but obviously I know they'll do credit checks.

WHY are they all so different? Experian has me at 958/999 so excellent, creditkarma has me as "fair" and clearscore has me on 355/1000. They all show my 2 debts (1 mobile phone contract and 1 small loan) and also show that I have perfect payment history on both.

So WHY are they so different and some make me look good and some make me look bad?

I'm worried if they use clearscore I'll lose the house 😫😫

Partly because they don't all look at the same things but mainly because credit scores are just made up by those companies. No lender sees your credit score when you apply for credit.

Your credit history is what matters. If you have a good history of demonstrating you have had some credit in the past, have paid it back on time as agreed and you arent already in a high level of borrowing in relation to your income then you will look a better prospect to a lender. If you have missed payments or little to no history then you will be less so.

Sign up to the credit club on money saving expert and you will get free access to Experian, where you will be able to see (for free) your current credit file and history. DO NOT pay any of these companies for any scores, you don't need to.

Credit scores are illustrative. They’re made up. Companies don’t use the ones you see - nobody does. Companies see your credit file, and then score it themselves, based on what’s important to them. They all use different criteria.

Ignore the scores, they’re an absolute con.

Look at your actual credit file. That is what matters. I would presume there’s something missing or wrong on the Clearscore one.