What is a bank internal score?

MoneySaverForever

Hi everyone, can you give me a little advice please? I was in my bank today and a customer advisor asked me to go into a side room and whilst there, they told me I had a internal score of 3 but I didn't get to ask what it meant because the branch was very busy. I felt guilty of taking up their time. The customer advisor offered me the chance to book an appointment to speak with them in more details which I said yes to because I could see they were rushed off their feet and didn't want to keep them any longer than necessary.

Many thanks xxx

Sharon87

It's all about your history with the bank, if you haven't had any defaults and you're profitable for them it will be good. No idea what the 3 means, 3 of out of what? lol

Lith

3 out of 10 maybe? lol,

never heard of this before and never been invited by TSB OR HSBC to see them about an 'internal score' 0_o

MoneySaverForever

Lith wrote: »

3 out of 10 maybe? lol,

never heard of this before and never been invited by TSB OR HSBC to see them about an 'internal score' 0_o

Yeah, it's not something I've ever heard of myself actually! I think it was more of a throwaway remark really because the customer advisor just said "oh, you're a 3" and it left me thinking hmm, what does that mean? xxx

ses6jwg

did they take you into a room to specifically tell you this?

sounds daft

MoneySaverForever

ses6jwg wrote: »

did they take you into a room to specifically tell you this?

sounds daft

No, the customer advisor had hoped to discuss private things with me but their manager wanted them out front dealing with the very long queues in the branch. I can see where your coming from though, so don't worry xxx

Lokolo

What bank...?

stclair

Are you taking about Natwest or RBS by any chance?

If your a 3 with them thats a very good thing

izools

Possibly LTSB, their risk band goes from 1 to 10, 1 being the lowest risk; so from the sounds of things they were trying to use the fact that the computer likes the way you run your account to sell you credit-related products that you probably don't need but would make them a tidy profit...

iereboy

LTSB is 1 - 9, and the random 99 and 98.

KingElvis

Which bank was this? they are either trying to flog you something or they wish to "speak" with you over an issue.

If it's Natwest, that's a good score.