Sudden Death on Credit Savvy

[asterix]

My score is up again this month, it has been going up for the last few months. I went from 988 in March to 1045 in April.

 

[rock86]

My score is up again this month, it has been going up for the last few months. I went from 988 in March to 1045 in April.

Any credit card applications in there?

 

[asterix]

Any credit card applications in there?

No, my last credit card application was in early 2016, so I guess that's why it has been going up in the last few months.

 

[deebens]

Up by 76 this month. Only info added was last month's payment from NAB.

 

[deebens]

Seems the roulette wheel has spun again and I'm up another 67 points and that's in a month with an application.

Starting to claw back that 300 point loss from the start of the year.

 

[Mr_Orange]

Seems the roulette wheel has spun again and I'm up another 67 points and that's in a month with an application.

Starting to claw back that 300 point loss from the start of the year.

Mine bounced straight back to where it had come from after 2 months and has now remained the same for 3 months. It was clearly a glitch when implementing the additional reporting.

 

[deebens]

Mine bounced straight back to where it had come from after 2 months and has now remained the same for 3 months. It was clearly a glitch when implementing the additional reporting.

Yeah no doubt. I was just a bit shocked when I heard all the instant recovery tales and mine basically stayed in the basement until last month.

 

[aerotravel]

Just got mine updated suddenly today... up by 86 points from Good to V. Good. Nice surprise there! been 2 years or so since...

 

[Steady]

Looks like a glitch

 

[Mr_Orange]

I recently paid my first HSBC credit card bill and my Credit Savvy account was updated immediately with the payment information.

 

[get me outta here]

I haven’t been able to log into Equifax for months and they are absolutely hopeless. They do keep sendimg emails telling me my score has changed. Is Credit Savy a reasonable alternative, or which others are there?

 

[mviy]

I haven’t been able to log into Equifax for months... Is Credit Savy a reasonable alternative, or which others are there?

Credit Savvy gets you your Experian Score for free. GetCreditScore gets you your Equifax score for free. You may wish to get both. Experian and Equifax use different score ranges so the number you get will be different.

 

[I love to travel]

Credit card score went up quite a bit today despite two applications in the last month. Go figure.
BTW does anyone know whether banks can see when you applied for credit cards or just see how many enquiries

 

[mviy]

With CCR they can see a lot more than that. You can get a free copy of your credit report every 12 months from each agency and additional ones each time you are denied credit.

 

[ragingsheep]

Citi now is reporting CCR, except on Credit Savvy, they are still reporting my card as open despite having closed it 2 months ago.

 

[burmans]

Citi now is reporting CCR, except on Credit Savvy, they are still reporting my card as open despite having closed it 2 months ago.

Yep, got a message from Credit Savvy today too, also the Qantas Premiere since Citibank run it. And because my repayment history is good my score went up.

 

[andye]

Mrs andye's Citi cards (VA Flyer closed, Coles open) showing on creditsavvy, both as open. Perfect repayment history put her score up by 9 points. Her HSBC has been on for some time
My Citi (VA Flyer) not showing yet

 

[andye]

July has come round and my Equifax has jumped from 569 to 680 with no new activity . I only have access via getcreditscore so don't know what CC info has been added.

It did take a long time to get on the site when the email came around this evening-I guess everyone was seeing how reporting has gone

 

[deebens]

Finally recovered to over 700 after the unexpected fall under 500 over a year ago.

 

[SeaWolf]

Anyone else used the Illion (Dun & Bradsheet) online tool (Credit Simple) to have a look at the info they've got stored away and discovered their credit score there is wildly different?

I signed up yesterday and even though Illion has exactly the same information as Experian, they've reached a much different opinion about my credit worthiness. Illion has given me a low 600 and says I'm ranked in the bottom 20% of my postcode. Experian has me on a mid-800 and says I'm in the top 25% of my postcode.

How on earth can they have exactly the same data but reach such radically different conclusions?