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Jae1704

Credit Score keeps Going down

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Hi

 

I dont know if anyone can explain this but I regularly check my credit rating with Experian and Equifax, With Experian I have 1 CCJ recorded against me, which I have put a Notice of Correction Stating that

Its a private CCJ, not a bad debt and I dont owe the person anything, but cannot get overturned as I am unable to contact them.

 

My question is my credit score is always lower that the previous report

 

E.g. I got my credit score of 753 (Fair) contributing factors:- 3 active accounts, all upto date, no defaults and 2 credit Searches within last 3 months, includes the CCJ, and 50% of available credit used.

 

3 Months later I requested another score, thinking that it would go up,

but it had gone down to 719 (Poor)contributing factors;- 3 Active accounts, all upto date, no defaults and 0 Credit Searches within last 3 months, includes the CCJ, and 38% of available credit used.

 

My question is does anyone know if experian or equifax change their parameters / points for the credit scores. Just seems strange my score is going down, rather than up

 

Any Ideas anyone

 

Jae

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One of the things they take into account is how much available credit you have. Mad as it may seem, my score is not great because I only use about 10% of my available credit at any time. If I wrote to Barclaycard and asked them to reduce my credit limit my score would apparently increase.

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Its a private CCJ, not a bad debt and I dont owe the person anything, but cannot get overturned as I am unable to contact them.

 

 

Have you considered applying to the court for a set aside?

 

National Debtline England & Wales | Debt Advice | Factsheet 12 How To Set Aside A Judgment In The County Court

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Hi Sequenci, I was not aware I could apply, have now completed the

N244 asking for the order to be set aside, Do you or anyone know what will happen if it is set aside?

 

Thanks

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Hi Sequenci, I was not aware I could apply, have now completed the

N244 asking for the order to be set aside, Do you or anyone know what will happen if it is set aside?

 

Thanks

 

The process would take the case back to pre-court stage so you need to have a valid argument. It's important to ensure that you have good reason to apply for set aside and have a succint argument ready for the court :)

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The process would take the case back to pre-court stage so you need to have a valid argument. It's important to ensure that you have good reason to apply for set aside and have a succint argument ready for the court :)

 

Thanks Sequenci

 

I can argue and confirm that I did not receive original summons / orders, but this debt is more like a personal one where the claimant say I owe them money, when I don't, Will they have to show the court proof of

what they are claiming for, or it could be their word against mine

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mate, if the creditor who ever that person or company is has to prove you owe the money. If they ar'nt in contact i bet they don't even bother with court case. easy win. then you would have "perfect" credit record...

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Thanks Sequenci

 

I can argue and confirm that I did not receive original summons / orders, but this debt is more like a personal one where the claimant say I owe them money, when I don't, Will they have to show the court proof of

what they are claiming for, or it could be their word against mine

 

They indeed would have to show the court proof if you challenge this as part of the defence, so do it!

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