Credit Score

ShakerSonicBen

Hi this thread has probaly been done to death (apologies if it has).

What is everyone credit score?

I just got mine from Experian and its: 458 on a scale of 0-1000

I'm Very Poor aparently

What score would I be consider poor or Fair?

james32_uk

I got 46! :rotfl:

moonlightpjs

Mines a 199 on Equifax :rotfl:

kevin_M

anything below 340 is poor i beleve up to 540 or something is fair --- 50% of uk population or something is that. dont know the higher 1ns

hypno06

kevin_M wrote:

anything below 340 is poor i beleve up to 540 or something is fair --- 50% of uk population or something is that. dont know the higher 1ns

No - unfortunately mine is 616 and OHs is 666 :eek: and we both come out as poor!

Oh to be fair.....

ShakerSonicBen

im going to see how much i can inprove it in the next 12 months.

Does a settled default improve a credit score, I know it shows for 6 years but I dont know if it will improve it

gingerfurball

Does your credit score matter if you never want to use credit again?

clarab_3

gingerfurball wrote:

Does your credit score matter if you never want to use credit again?

Matters to me cause my work expect me to carry a company credit card. I know it sounds snobbish but I dont want to have to explain my personal circumstances to them, and can't do my job without it.

I am totally committed to being personally debt free, but with £3000 a month going through the work its the only way to keep it untangled from the rest of my personal mess.

If I wasnt such a mess I could be pushing all that through a cashback card and paying my own debts with the proceeds!:eek:

gingerfurball

I was hoping to couch that in terms that didn't sound like I was condemning you )...I was thinking about me and my situation, I'm sure my credit rating would be in the minus figures!! But personally I don't want to (and don't need to... thank God) to use a credit card again. Basically I was wondering if it would matter for me.

And I agree with you...I wouldn't want to explain my money situation to anybody...it's not their business.

clarab_3

gingerfurball wrote:

I was hoping to couch that in terms that didn't sound like I was condemning you )...I was thinking about me and my situation, I'm sure my credit rating would be in the minus figures!! But personally I don't want to (and don't need to... thank God) to use a credit card again. Basically I was wondering if it would matter for me.

And I agree with you...I wouldn't want to explain my money situation to anybody...it's not their business.

I swear as long as I live I never want a credit card again!:rotfl:

ShakerSonicBen

clarab wrote:

I swear as long as I live I never want a credit card again!:rotfl:

me either