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Loan Refused 6 Months Ago Poor Credit Score But Know ....

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About 6 months ago I was refused a loan for £20000 for home improvement so I went to check my credit score on CreditExpert.co.uk and it was 439 putting me in "Very Poor" category well I have checked my score today and it is know 999 yes 999 :D the highest it can go and puts me in "Excellent" category. The question is if I apply for a loan with a bank am I guaranteed it won't be refused this time I have never missed a payment also I have 3 credit cards but the outstanding balance on all 3 have been paid off this is the reason why it's 999 I guess.

Comments

  • Wutang_2
    Wutang_2 Posts: 2,513 Forumite
    Forget the score - it doesnt mean anything, although I would certainly go into your bank and speak to them. Better chance thataway..
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
  • Enfieldian
    Enfieldian Posts: 2,893 Forumite
    Part of the Furniture Combo Breaker
    Credit score of 999? Mine is 1,000,000.

    Well, that's the random figure I picked for myself anyway.
  • Wutang_2
    Wutang_2 Posts: 2,513 Forumite
    Enfieldian wrote: »
    Credit score of 999? Mine is 1,000,000.

    Well, that's the random figure I picked for myself anyway.

    WOW - what can a million get you?

    Mine is 3.8
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
  • Enfieldian
    Enfieldian Posts: 2,893 Forumite
    Part of the Furniture Combo Breaker
    !!!!!!, I just checked it again and it has dropped to -15....

    Oh well.......
  • Wutang_2
    Wutang_2 Posts: 2,513 Forumite
    Enfieldian wrote: »
    !!!!!!, I just checked it again and it has dropped to -15....

    Oh well.......

    Should have applied earlier!
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
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