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Credit checkers

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I have just done mine on the free creditcheckers and apparently i'm Stable and have a rating of 550 out of 700 :D pretty good codsidering I owe no one a penny and pay my bills on time and have no loans of any sort Own my own property,Car etc and never borrow money at all.I wonder why it wasn't 700/700 :rotfl::rotfl::rotfl: I wonder sometimes if these credit referance agency's are all their cracked up to be ;)

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  • NewShadow
    NewShadow Posts: 6,858 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    JackieO wrote: »
    considering I owe no one a penny and pay my bills on time and have no loans of any sort...I wonder why it wasn't 700/700

    You can't be rated highly for making payments on time if you don't have any credit to make payments on ;)
    That sounds like a classic case of premature extrapolation.

    House Bought July 2020 - 19 years 0 months remaining on term
    Next Step: Bathroom renovation booked for January 2021
    Goal: Keep the bigger picture in mind...
  • [Deleted User]
    [Deleted User] Posts: 17,413 Forumite
    10,000 Posts I've been Money Tipped!
    I have two c/card one with a £15k limit that I haven't used for yonks and another with £2.500 limit which I use as a debit card and pay as soon as I can when I get home if I have used it to buy diesel etc (its M&S so I get points with it :):):)
  • Lynplatinum
    Lynplatinum Posts: 939 Forumite
    Evening

    I do wonder what marks folks down as well! I do know that if you dont pay sumat off regular it goes down - so I pay my RAC membership over the year via my club book (have checked and it is not dearer) also car insurance - they cut the rate last year so payments stayed the same! :D

    What's the daftest anyone has found I wonder???
    Nite All
    Aim for Sept 17: 20/30 days to be NSDs :cool: NSDs July 23/31 (aim 22) :j
    NSDs 2015:185/330 (allowing for hols etc)
    LBM: started Jan 2012 - still learning!
    Life gives us only lessons and gifts - learn the lesson and it becomes a gift.' from the Bohdavista :j
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