A minus score is more of a ‘status’ rather than your actual score. What this means might help you understand how lenders see you.
The -1 score status on your account means that Experian, our partner credit bureau, hasn’t got enough information to give you a score.
The old scoring system might’ve given you a score even if you had no active account. With the new scoring system - no active accounts means lenders can’t see if you are a reliable borrower or not. There’s not enough credit information to show you a score.
To improve this, you can check and use the insights we show that could be affecting your credit score. These are personalised to you and give you easy-to-action steps to help you build your credit history and improve your score.
Please check your report carefully to see if any information isn't right, raise a dispute with Experian by going