Multiple applications......the results

Options
124

Comments

  • Ficofuture
    Ficofuture Posts: 28 Forumite
    Options
    For the record, my Experian score is 676 today........i wonder if i can get it to zero ?

    Can we start a thread on who has the lowest score ?
  • Ficofuture
    Ficofuture Posts: 28 Forumite
    Options
    Oh dear.....I have a yellow card

    And a few posts deleted

    Closed shop ??

    But then I was inspired !!!

    On Experian, yellow is the FAIR band, so how about all members have their user name in the colour of their Experian score band ???

    Transparency, for all to see, and decide who to take advice from

    I will ring Martin right now......
  • mcpitman
    mcpitman Posts: 1,267 Forumite
    First Anniversary First Post Name Dropper
    Options
    Ficofuture wrote: »
    would you take advice from anyone who wont declare their situation , experience and financial standing ?............. i hope not


    No - so what is your situation, experience and financial standing.


    Or are you just a twaddle spouting troll?
    Life isn't about the number of breaths we take, but the moments that take our breath away. Like choking....
  • Ficofuture
    Ficofuture Posts: 28 Forumite
    Options
    I hope your post is removed for being rude ????

    Im not telling people to ignore their scores, suggesting they are made up, are unimportant, then contradicting myself by telling them to do everything that will help to improve my score !!!!
  • mcpitman
    mcpitman Posts: 1,267 Forumite
    First Anniversary First Post Name Dropper
    Options
    Ficofuture wrote: »
    I hope your post is removed for being rude ????

    Im not telling people to ignore their scores, suggesting they are made up, are unimportant, then contradicting myself by telling them to do everything that will help to improve my score !!!!


    You can hope all you like.... I don't care either way. I'm not telling people to ignore their scores either.
    Ficofuture wrote: »
    am i allowed to call YOU a twaddle spouting troll or will that be removed ?


    Of course you are, the only issue there is I am not spouting twaddle, you are doing a fine job of that yourself.


    You are making unqualified comments about something you clearly know little to nothing about.


    So again your expertise and background is......?
    Life isn't about the number of breaths we take, but the moments that take our breath away. Like choking....
  • Ebe_Scrooge
    Ebe_Scrooge Posts: 7,320 Forumite
    Name Dropper First Anniversary Combo Breaker First Post
    Options
    mcpitman wrote: »
    So again your expertise and background is......?

    I'm pretty sure he is an expert at hiding under bridges and dining on succulent young goats :rotfl:
  • Ficofuture
    Ficofuture Posts: 28 Forumite
    Options
    My expertise and background that relate to this subject ?,
    i have over 20 UK credit cards, 5 USA cards, Business finance both here and there ,so i feel im as qualified as the next person to discuss cards and credit scoring methods, i have successfully had searches and defaults removed
    Ive got rich and been poor..........will that do ?
  • mcpitman
    mcpitman Posts: 1,267 Forumite
    First Anniversary First Post Name Dropper
    Options
    Ficofuture wrote: »
    My expertise and background that relate to this subject ?,
    i have over 20 UK credit cards, 5 USA cards, Business finance both here and there ,so i feel im as qualified as the next person to discuss cards and credit scoring methods, i have successfully had searches and defaults removed
    Ive got rich and been poor..........will that do ?


    So no actual financial qualifications or experience, just some great stories you made up.


    I also don't care if you think you are "rich", I may be more rich or more poor than you, still doesn't make your opinion any more believable.
    Life isn't about the number of breaths we take, but the moments that take our breath away. Like choking....
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Photogenic First Anniversary First Post
    Options
    Ficofuture wrote: »
    Whats wrong with paying for the most up to date information ?

    Last months Financial Times is no use to me today.........

    If you are worrying about £14.99, stoozing is not for you


    I've stoozed for over 10 years and not once did I ever consider or give a !!!! about credit scores.


    Credit scores IMHO is just another stupid tax. Some people would buy dog !!!! if it was in a nice packet.


    Cheers
  • The_Boss
    The_Boss Posts: 5,849 Forumite
    First Anniversary First Post Combo Breaker
    Options
    Ficofuture wrote: »
    Your score reflects what they see !!!!!!!!!

    Your "credit score" also reflects the data that they don't see.

    So credit reference agency "scores" are still as indicative as a big steaming pile of poo.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.2K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608.1K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 247.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards