credit score

maxmycardagain

has anyone preBR, BR oe post-BR checked thier credit score on experian lately?

if so, what was it?

ive no CCJs, 4 x "defaults not satisfied" for a total of less than £700, and my BR of course, my scores 556

i dont want credit but may want a contract mobile phone or suchlike in the future

fiveyearplan

I checked with Experian in October and don't recall seeing a 'score' per say. It just had all my credit details - well not all. For one thing it didn't mention my BR and only a handful of my previous creditors were listed.

fermi

You have to pay £5.99 extra or something like that for a score.

Apart from it being next to meaningless, I just can't be bothered.

maxmycardagain

fermi wrote: »

You have to pay £5.99 extra or something like that for a score.

Apart from it being next to meaningless, I just can't be bothered.

i put it on my old credit card

dvs

The Experian credit score does not represent whether you are likely to get credit or not. I had a score of 999 for many years but have not always been able to get credit. Lenders used to look mainly at payment history but now look at credit limits, available credit, how many accounts are active, how many dormant and payment amounts (whether you pay minimum or maximum on credit cards for example). Then of course they have their normal affordability, customer history etc. I wouldn't waste money on the Experian credit score. It really doesn't mean anything in the real world.

maxmycardagain

if i need credit ill apply direct to gordon brown and cut out the middle men

fiveyearplan

If you're applying to GB to get your £4,000 be sure to apply for your wife's £4,000 at the same time.

maxmycardagain

and my 200K bonus, after all ive failed - but not as bad as some bank directors....

maxmycardagain

fermi wrote: »

You have to pay £5.99 extra or something like that for a score.

Apart from it being next to meaningless, I just can't be bothered.

so theres no point in credit cleaning up then?

ive just used up four 2nd class stamps, im not made of money you know

fermi

The point is to ensure that once the bankruptcy disappears from your file, all the old defaulted debts do as well as they should.

If you don't and they are dated later than the bankruptcy order, then your credit reference file will still be stuffed even though the bankruptcy itself has gone.