Credit score of 837 FAIR

MWAUGH1983

Hi,

I have just looked at my credit file/score and this stands at far with a score of 837.

This has came about with the recent closure of my barclaycard where I wiped the balance of 700 quid and also my littlewoods account.

I do have defaults and wondered what would be the possibility of getting credit as I wish to move my TSB loan elsewhere. I know its probably a log shot but wondered how they would view my file with a score of this.

Cheers
Martin

BoGoF

Sigh.......again......837 or 456 or 999 are fair......fairly useless when it comes to getting credit.

Just do a search on "Experian 999 score and still refused credit"

Hiddenidenity

Lenders wont see the score so its pretty pointless tbh.

With defaults its very very slim you will get credit elsewhere.

camuk81

Just going to find a corner and drool over this score! Its 400 points better then mine! When did you default and what you been like since then

boogiemaster

I will prove the credit score is a total waste of time.


People are turned down for credit because they have no history not due to their credit score!

People are turned down for credit and are told to check their credit file and not their credit score!

See my point?


Check your credit file?

Oh I forgot about the default obviously this credit card company doesn't accept people with a default?

Declined for credit card !!!!!!?

Card says requires £20k a year and I earn £10k oh crap!

Declined for credit again?

Oh yeah I have one late payment, I have a missed payment.

They turned me down because my credit cards are all up to their limits?


I have a perfect credit rating and I've been declined? that's it I'm going to write to my MP and demand he slap the chairman of Halifax a few times.

What you mean I don't earn you any money? you gave my sister a credit card and she only pays the bloody minimum payment and she gets an increate every month and she has £20k limit and only earn £10k a year!!!!!!

Various reasons to be turned down but not one due to credit score?

opinions4u

Open up a Microsoft Excel spreadsheet.

Type in to one of the cells:

=RANDBETWEEN(1,999)

Send me a cheque for £14.99 a month.

Thanks.

banks4u

I find credit scoring very bad, ive never missed a payment and have cleared most my debts and close most my companies I held debt with. But still I have a rating of 700 ish!! !!!!!!

Bravehearted_2

"You do have defaults"

If you were a lender, would you lend such a card to someone with your payment history?

camuk81

opinions4u wrote: »

Open up a Microsoft Excel spreadsheet.

Type in to one of the cells:

=RANDBETWEEN(1,999)

Send me a cheque for £14.99 a month.

Thanks.

Thats just cheered me up doing that!