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I ordered a statutory credit report from Experian (UK) last week and it came today.

I forgot that it doesn't include a one-off credit score with the report.

Is it possible to calculate a credit score based on this report?

EDIT: An approximation would more than suffice, I imagine companies like Experian don't publish their score algorithms.

Federer
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1 Answers1

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The formulas used by the three major credit bureaus (Experian, TransUnion, Equifax) are proprietary trade secrets. They're each slightly different, and are fed differing data, so your "score" is likely to deviate from bureau to bureau.

A Google search for "Credit Score Estimator" returns several pages of links to FICO estimation web apps. Be careful; you're feeding personal information about your credit history into these sites in many cases. I just ran through this one, which does not ask for any identifying information, and estimated my score to within 40 points, and is accurate as of the last time I checked my actual scores.

KeithS
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