This post is a bit of an impromptu one as I normally do not post on Fridays. Nevertheless, I thought I’d post my new and improved credit score. That’s right. It’s new and improved!
Some of you may remember that a couple of weeks ago I revealed my credit score. I mentioned that I was not overly pleased with my score as I felt that it could be better. I have been handling my available credit a lot better lately (thanks to this blog and the amazing personal finance community that has been incredibly supportive) and felt that my credit report should reflect it. My credit score is important to me for a number of reasons but one of them is my possible application in the near future to review an interest rate on my personal loan.
Imagine my surprise when I got a phone call from my credit reference agency a couple of days ago advising that due to some internal system error my credit report and credit score had been wrongly calculated. Umm, what?! My personal file has since been updated and when I logged into my account, this is what I saw…
This time it is reflecting the actual facts. Since I had paid for my credit report (I did not cancel after a 30-days trial period as I was contemplating on keeping my profile active, make regular checks and receive alerts of any changes) and due to the mistake that had taken place, I was refunded in full! Win-win.
Would you keep paying to have access to your credit report and score after a 30-day trial period? I would like to be able to monitor it but I am not sure I can justify paying £9.99 each month?
If you are following my journey to debt freedom (I am so grateful if you are and your support means a lot to me!), do read my yesterday’s blog post October 2013 Debt Repayment Update if you haven’t done so already. Have a great weekend, friends!