Credit score has changed. Do I need to check?

[Protagoras]

I get 889
own house, no debts, no mortgage, pay off credit card monthly by DD.
haven't borrowed anything for 10+ years.
889???

From the same position, I've started buying some things using interest free credit just because it was available.
Doesn't seem to impact credit score; but the amount of credit card debt accrued every month does.

At the end of the day, it doesn't matter though, doesn't?

[woody1]

No mortgage, no debts. Only credit card is in wife's name.

I haven't tried checking with any of these companies but I suspect I don't exist. A couple of times I've tried doing stuff money-wise online and it's come back "computer says no".

[hobnob]

I haven't tried checking with any of these companies but I suspect I don't exist.

I recommend checking, just in case there's anything you don't recognise. A while back, my score dropped due to identity theft. (After I moved house, the new residents took out a credit card in my name and ran up a big bill.) I got it all straightened out, but only because I knew about it.

[Martin@AS Financial]

I've just got a message that my credit score has changed. I've checked on experian and it says it's gone down by 1 point and there is 7 positive and 1 negative influence. To check the influences i need to pay 15 quid a month according to the site. Would I be right in thinking I can apply for a free statutory report? That shows all info held but might not show what is a negative impact.

Does 1 point matter so I can ignore or worth checking out? It's a single digit change on my score so not an issue I don't think.

Hopefully its nothing too serious - have you recently applied for something like car insurance as that may have taken a few points off?

I really like the paid for Experian app as it should tell you what had reduced the score. It also has a credit lock feature with the idea being that it helps to block fraudelent credit applications in your name through Experien.

[sadkingbilly]

Hopefully its nothing too serious - have you recently applied for something like car insurance as that may have taken a few points off?

I really like the paid for Experian app as it should tell you what had reduced the score. It also has a credit lock feature with the idea being that it helps to block fraudelent credit applications in your name through Experien.

you lost me just there