experian credit score

Fruit_and_Nut_Case

999 credit score but keep getting rejected

Credit Score 999 Declines Conundrum - Help!

Halifax student account denied with 999 credit score?

Credit Score of 999 but can't get a loan??

Just a few examples of people with scores of 999. See what good it did them.

rb10

Saints2011 wrote: »

See my signature - it clearly is "out of thin air"

Your current signature doesn't say anything of the sort - it just says that each lender will have its own scoring system, and as such, they will all give different score.

Credit scoring is an attempt to predict your behaviour in the future. So you can't expect it to be spot on. Even if just a small proportion of scores were wrong, we'd still get people on here with examples of how the scoring system has shown someone to be much better/worse than they perceive themselves to be.

Ultimately, Experian have a significant amount of experience in how peoples behaviours change, and they apply this to come up with an expectation of how they believe you will perform, represented as a score. But you can't expect them to predict the future with 100% accuracy.

chanz4

it does not ask me what my income is, or how long I have been at my address

allpine5346

i only been on here a week and i can say most of you people are sad angry negative prople who talk utter rubbish

rb10

chanz4 wrote: »

it does not ask me what my income is, or how long I have been at my address

Income is a poor indicator of creditworthiness. I could lose my job tomorrow. From the same income, two different people could save massively different amounts depending on living expenses. Some people will lie about their income. It's not going to tell a bank how likely you are to pay back your debts.

How long you've been at your address - CRAs already know this, since they have access to electoral roll data.

BugsyBrowne

allpine5346 wrote: »

i only been on here a week and i can say most of you people are sad angry negative prople who talk utter rubbish

It's because most people get tired of new members coming on the forum thinking they know everything when really they haven't got a clue.
Exactly you've been on here just a week and your argueing with members with experience and knowledge of how experian works.

allpine5346

BugsyBrowne wrote: »

It's because most people get tired of new members coming on the forum thinking they know everything when really they haven't got a clue.
Exactly you've been on here just a week and your argueing with members with experience and knowledge of how experian works.

experienced members who know nothing lol

Fruit_and_Nut_Case

allpine5346 wrote: »

experienced members who know nothing lol

You already asked Is my credit score any good and were told the value of the score. If you don't believe the answers that you've been given it seems pointless to keep posting further questions.

stephane_2

allpine5346 wrote: »

experienced members who know nothing lol

You should go & play somewhere else....your problem is that you seems to know everything better than anyone else & are incapable to argue your case without being rude....

chanz4

M1, M5 pref