Experian: Credit Score 4+

I am little unhappy with Experian. My rating has stayed the same as it was before and all I get is a message to say you are unable to help or so it seems. All the other credit organisations still leave me high. I have not changed anything and I have changed items like you have me single when I have been married for 42 years, we own our home with no mortgage. It is crazy I have no idea why you reach the decision you do, as We
have no debt, we pay our credit cards on time and if full. May be you need to look at your system as it changes information and does not give the correct info back and the rate was quite high and you reduced it and then suggested to me to fill out your information in order to increase a score I already had. So we will see if someone bothers to contact me to discuss the matter.

I have been paying Experian £15 per month for the last 8 years whilst I try to rebuild my credit. During this time I have NEVER missed a payment for ANYTHING. I have a mortgage and a second mortgage. I have just repaid my second mortgage in full 50k. I have 2 personal credit cards. One with 1.5k and one with 5k. Had them both for 8 years + and both are paid in full by direct debit every month. I had a 15k loan from Santander over 36 months. Just 3 payments to go and never missed a payment. I have bought 4 brand new transit vans for my business. Paid cash for the first one 7 years ago because I couldn't get credit. Then bought another 2 using Ford credit. Both paid for now and never missed a payment. Currently paying for another one, never missed a payment. No tax arrears. Tax and national insurance paid on time every month for 6 staff. Never been late with a VAT payment. Never been late with Corporation tax bill. Never been late with self assessment tax bill. I have NEVER had my credit score moved out of 'FAIR' but I am offered over priced credit on a daily basis. Experian knows absolutely nothing about my credit worthiness. The most pointless £15 per month you could ever spend. Today my credit rating went down so I am just above 'POOR' in their eyes.

If you require an honest assessment of your Credit Score and rating the best to use is Experian. They never make a mistake that has to be corrected and I have never needed to complain about their credit score. One Credit Score Company had to be pulled up about their mistakes e.g. confusing me with someone of my name living in the same town, putting their overdue bills onto my report and worse taking well over 18 months to correct them. In that time waiting on tenterhooks for the bailiffs to arrive. Another made accusations from Banks I had never applied to for anything and allowed via a fake Microsoft Windows update criminals to infect my PC with a Trojan virus, send me a ransom email via gmail, change my passwords and access my Credit Score trying to find details of my banking. Be warned do not bank online. I do not so they failed but rendered my computer useless. Have nothing but praise for Experian backing me up and giving me courage to battle on by contacting the Financial Ombudsman, the Police and Action Fraud. Still waiting for that corrected Credit Report to be posted to me. One would have thought from their attitude, and they know who I mean), that I was the criminal. Use Experian.