We are according to Equifax, who admittedly have a fairly simplistic view on things.
I note that Equifax don't go into any real detail on how they have arrived at these scores which of course means that no one can criticise them.
Secondly Equifax in terms of business information are the equivalent of the Daily Sport to serious journalism.
The keepers of this sort of information for business are Dunn and Bradstreet and they never never publish information in this way; to have join and pay for it!
Would they arrive at that conclusion because we owe Doughty all the monies he has pumped into the club?
What a load of rubbish!
They take into consideration that plymouth are to get a cash injection from the chairman but then are clearly not taking doughty into the consideration when it comes to forest.
And with all of derby's debt they consider them to be the 3rd most reliable club to lend money to, i'm not sure many banks would be rushing to give money to them.
These credit check/scores are a nightmare.
I get people with £80,000 on credit cards/loans getting past the credit check for a mortgage, while someone with no loans or credit cards and no debt, get turned down.
It's a strange society we live in.
Last edited by the mask of zorro; 24-02-10 at 13:09.
Why are we rated as insolvent with a score of 13 (F on their scale) while Preston aren't classed as insolvent with a core of 8?
Most companies offering credit checks use information from Dun & Bradstreet to arrive at their scores. Equifax are the exception and don't really offer any information as to how they do arrive at their scores.
N2 Check and to a lesser extent Experian use the widest data sources...proferring the most reliable scores.