LondonMackem
Striker
I just got an email saying mine has improved a few points to 615. Class can’t wait to tell the lads down the club.
What is your credit score?
- Thread starter LondonMackem
- Start date
Space Hopper
Winger
I'm confused as to why my credit score is so low.
My bank says I have an outstanding balance on my card.
My bank says I have an outstanding balance on my card.
monkeytassle
Striker
No idea
look out piano
Striker
Mine differs between Clear Score (449 of which the national average is 414, my area is 434) and Credit Karma (603 / fair).
I hate to ask, but who was the e-mail from, was it a Nigerian Prince in a bit of a tight spot financially?
tonyfromalnwick
Striker
Never looked. Not interested.
And stinking rich.
And stinking rich.
Are you me?
Paddy O'Dors
Striker
Need to have a balance of about 25% of the limit for optimum points on your credit score.
Mr Redknapp
Striker
125-5
LondonMackem
Striker
Na, TotallyMoney
Butcher's Coat
Striker
No idea.
Not bothered in the slightest.
Not bothered in the slightest.
Not sure about the UK but it matters a huge amount here in the US. A 20 point drop could mean paying 20% more for electricity.
I had good credit in the UK but when I moved here I had to start from scratch. My credit card limit was $750!!!
Happily I’m in good shape but people i know get screwed
I had good credit in the UK but when I moved here I had to start from scratch. My credit card limit was $750!!!
Happily I’m in good shape but people i know get screwed
HettonSAFC
Winger
999. Nee mortgage, nee cc balance, nee car loan.
One tells you you’re great (Experian) one tells you you’re good (credit karma) one tells you you’re bang average (clear score). I lost 15 points off one last month, nothing had changed at all, no debts other than mtg, nothing fell off my file, no new accounts opened etc. Then this month I regained those 15 points and again no changes to owt.
42
Striker
If you've got no debt, your rating wont be very good.
The Beautiful Game
Striker
999. It dropped to 990 once but got it sorted
No7
Winger
It doesn't matter in the UK. The score given to you across all of these types of companies is a completely made up number. No financial institution in the UK see's it when you are credit searched. This is fact.
The only information they see is electoral roll info, account history over the last 6 years, how many searches have been carried over 12 months, defaults/CCJ's & fraud info.
Every single financial company in the UK has it's own internal criteria. If you 'credit worthiness' meets this, you are given credit.
The 'score' is a sales tactic to make you give them £15 a month (I know their are companies who offer this service for free, but all of the above still applies)
The soap powder
Winger
As above the number means nothing its a gimmick to make you pay and then worry when it changes
