#Gold #Nasdaq With Experian changing their Credit Score system to score folk out of 1,250 rather than the current 999 points, there’s certainly plenty of twitchiness as millions shall see their Credit Score drop due to the changes. There’s something quite ridiculous about the change as apparently it doesn’t matter. Allegedly, lenders do not use the Credit Score but instead pay attention to the underlying data on a credit report. Even Experian themselves claim the Credit Score should not effect someone’s ability to get credit. It begs the question, if the Credit Score doesn’t actually matter, why is there some much fuss made about the Credit Score number, along with a subliminal campaign to encourage folk to improve their credit score?
From a personal perspective, as someone long without a mortgage and not a single credit card, the entire concept of credit scoring has always left me cold, effectively ruling out the personal relationship between a bank branch and customer. This, the precursor to the closure of local bank branches nationwide is something we feel not to be a great thing, part of the “initiative” which has been destroying the concept of communities. With commercial deletion of the local bank, the local pub, the local post office, the local petrol station, has brought a perfect storm to society and it’s difficult to think of replacements which will return subconscious cohesion to neighbourhoods. Locally, we’ve seen a community group form a company to buy the closed local pub/restaurant/hotel. They’ve sold shares in the venture to locals and are planning a program of annual events, determined to return the heartbeat to a community which has been increasingly populated with empty houses used as successful Argyll AirBnB’s. Hopefully the concept pays off as it’s extremely unlikely any community initiatives by Local Councils or Government actually succeed.
They never do, designed only to give politicians an excuse to temporarily raise their profiles, along with phony opportunities for many “consultants”. (This is a personal rant, brought on by a scheme where a plan for a community chairlift up one of the local mountains has fizzled out, the initial backer withdrawing due to frustration when he discovered he’d created a Consultant and Red Tape factory… It was a silly idea anyway, aimed at headlines rather than centred on the community!)
Obviously, this is a personal hobby horse but when considering Experian, an inevitable train of thought led to the unintended consequences of the failed US concept of Credit Scoring spreading to the UK. It does, however, seem to be working in communist China when mixed with Digital ID’s, though perhaps the public reach a different conclusion…
Currently Experian share price seems to be in a dodgy position, despite it being hyped as a “grower” for anytime soon. From our perspective, it seems movement below 3290 shall bring reversal to an initial 3204 with our secondary, if broken, at 3114p. The real problem appears from our 3rd Level target at 2786p, matching the uptrend since 2018. Visually, it all makes perfect sense.
However, sometimes the ‘share price hypers’ can be correct, so it shall hopefully be worth watching for movement above 3595 to bring growth to an initial 3933p with our secondary, if exceeded, at an impressive 4429p.
Worth watching but perhaps as confusing as the entire concept of Credit Scores.
FUTURES
FUTURES
| Time Issued | Market | Price At Issue | Short Entry | Fast Exit | Slow Exit | Stop | Long Entry | Fast Exit | Slow Exit | Stop | Prior |
| 11:06:20PM | BRENT | 6378 | |||||||||
| 11:12:37PM | GOLD | 4054.44 | 4037 | 4004 | 3924 | 4083 | 4085 | 4106 | 4139 | 4051 | |
| 11:15:15PM | FTSE | 9629.8 | ‘cess | ||||||||
| 11:18:41PM | STOX50 | 5612.6 | |||||||||
| 11:22:38PM | GERMANY | 23453.7 | |||||||||
| 11:25:46PM | US500 | 6676.9 | |||||||||
| 11:29:15PM | DOW | 46632.5 | ‘cess | ||||||||
| 11:33:17PM | NASDAQ | 24838.5 | 24532 | 24301 | 23976 | 24868 | 25167 | 25328 | 25554 | 24860 | Shambles |
| 11:38:40PM | JAPAN | 49762 |
17/11/2025 FTSE Closed at 9675 points. Change of -0.24%. Total value traded through LSE was: £ 5,759,759,832 a change of -8.67%
14/11/2025 FTSE Closed at 9698 points. Change of -1.11%. Total value traded through LSE was: £ 6,306,721,574 a change of 10.93%
13/11/2025 FTSE Closed at 9807 points. Change of -1.05%. Total value traded through LSE was: £ 5,685,178,464 a change of -6.33%
12/11/2025 FTSE Closed at 9911 points. Change of 0.12%. Total value traded through LSE was: £ 6,069,423,545 a change of -4.91%
11/11/2025 FTSE Closed at 9899 points. Change of 1.14%. Total value traded through LSE was: £ 6,382,591,388 a change of 4.7%
10/11/2025 FTSE Closed at 9787 points. Change of 1.08%. Total value traded through LSE was: £ 6,095,878,551 a change of 4.62%
7/11/2025 FTSE Closed at 9682 points. Change of -0.54%. Total value traded through LSE was: £ 5,826,630,107 a change of -16.85% 
SUCCESS above means both FAST & SLOW targets were met. ‘CESS means just the FAST target met and probably the next time it is exceeded, movement to the SLOW target shall commence.
Our commentary is in two sections. Immediately below are today’s updated comments. If our commentary remains valid, the share can be found in the bottom section which has a RED heading. Hopefully, this will mean you no longer need to flip back through previous reports. HYPERLINKS DISABLED IN THIS VERSION
Please remember, all prices are mid-price (halfway between the Buy and Sell). When we refer to a price CLOSING above a specific level, we are viewing the point where we can regard a trend as changing. Otherwise, we are simply speculating on near term trading targets. Our website is www.trendsandtargets.com.
UPDATE. We often give an initial and a secondary price. If the initial is exceeded, we still expect it to fall back but the next time the initial is bettered, the price should continue to the secondary. The converse it true with price drops.
We can be contacted at info@trendsandtargets.com. Spam filters set to maximum so only legit emails get through…
Section One – Outlook Updated Today. Click here for Section Two – Outlook Remains Valid shares
Click Epic to jump to share: LSE:AZN Astrazeneca** **LSE:EXPN Experian** **LSE:ITV ITV** **LSE:OXIG Oxford Instruments** **
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Updated charts published on : Astrazeneca, Experian, ITV, Oxford Instruments,
LSE:AZN Astrazeneca. Close Mid-Price: 13592 Percentage Change: + 0.44% Day High: 13658 Day Low: 13520
Target met. Further movement against Astrazeneca ABOVE 13658 should impro ……..
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View Previous Astrazeneca & Big Picture ***
LSE:EXPN Experian Close Mid-Price: 3289 Percentage Change: -1.59% Day High: 3355 Day Low: 3290
In the event Experian experiences weakness below 3290 it calculates with ……..
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View Previous Experian & Big Picture ***
LSE:ITV ITV Close Mid-Price: 78.9 Percentage Change: -0.13% Day High: 79.7 Day Low: 78.8
This has the potential to become useful pretty soon. Above 83.5 should tri ……..
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View Previous ITV & Big Picture ***
LSE:OXIG Oxford Instruments Close Mid-Price: 2035 Percentage Change: -1.93% Day High: 2170 Day Low: 2035
In the event of Oxford Instruments enjoying further trades beyond 2170, t ……..
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View Previous Oxford Instruments & Big Picture ***