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I shouldn’t worry too much about this. I have 999/999 Experian score and use 10k fronted on curve card monthly to generate Cashback. No problems.
Also if you have a current account / credit card opened prior to 1/1/2000 not permitted to report to cra. Little known fact.
An Experian (or any other) score is entirely irrelevant to a mortgage application. The lender will pass their own judgement.
As above, credit ‘score’ is an imaginary number and will not determine any mortgage application. Also the idea that some accounts may not be reported with the implication that they don’t need to be disclosed in any application is reckless advice.
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