It's all just a racket, I had never checked my credit score before but out of curiosity checked it with experion, was a ball hair off the max score. A few months later I was trying to take advantage of a government loan scheme to buy some equipment, had to fill out a credit score thing with a different providor, thought it was just a formality, but got denied. Called the loan scheme office and explained my experian score but all they could say was its not up for discussion. Called the credit scoring firm that they use, they basically said the same, but if I paid a fee I could at least be told what my current score was, although it might have changed since the government was given my score.
As it was I had plenty cash at the time to buy the equipment outright, but pissed me off at the time that the politicians are standing up there talking about investing in the future but then use a mickey mouse credit agency and deny proper viable businesses the chance to access to help.
