Just to confirm - I did try the website just now, living in the same address for 10yrs, no name changes, a few credit cards and a decent home loan etc - but according to them I don't exist.
So either I don't have a credit history - or this website is cough and can't recover the information requested.
Edited to add: Tried ticking and unticking the different options but does not change result. Looks like you have to clear cookies after the first failure as it retains your failed attempt and prevents you retrying. Very amateurish.
Website is definitely amatuerish! Notwithstanding that, given the sensitive nature of a credit file, I think it relies on very specific data matching, so if the detals you enter are not exact, you will get an error. For example, I doubt it would be common for your credit file to hold your passport number - mine doesn't - and it changes.
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I suspect it would be that you have 4 applications here. Veda would not know that you are paying off the accounts on time, despite the fact that contributing payment history is "allowed" now it is not "required" and noone is actually doing it at this stage.I tried it and got a "very good" 789. I'm not sure why it isn't "excellent": perhaps because I have kept my mortgage account open to act as a flexible line of credit, despite having it effectively fully paid off via funds in an offset account? Or perhaps because I have three different credit cards, though each is automatically paid off each month?
Website is definitely amatuerish! Notwithstanding that, given the sensitive nature of a credit file, I think it relies on very specific data matching, so if the detals you enter are not exact, you will get an error. For example, I doubt it would be common for your credit file to hold your passport number - mine doesn't - and it changes.
Oh my lordy it does!No but churning credit cards could.