currys

ste74

hi, im new on here on 2 questions want to ask my credit score is 856 which is in fair, nearly good on exprian pie chart, does any body know what the score has to be to be in good? also whats the minimum credit score for currys as im thinking of getting a new pc, dont want to apply for finance at min till i know score as im saving for a morgage,thank you

theonlywayisup

You might want to ask a board guide to move this to the appropriate board. You've posted on the Ebay, Auctions, Car Boots & Jumble sales board.

soolin

I have moved this to a more appropriate board for better responses

sourcrates

Hi,

Higher than 856 i would think is the answer to your first question.

Your second question is impossible to answer.

Only a specific lender knows what criteria they look for when making lending decisions, one thing is for sure, they never see your made up credit score, only you see that.

Credit history is the important factor, not a fictitious credit score.

ste74

hi, thanks but how much higher than 856 ? 900 ??? there must be someone who has a good idea about currys

sourcrates

ste74 wrote: »

hi, thanks but how much higher than 856 ? 900 ??? there must be someone who has a good idea about currys

It an entirely randomly generated number, which means absolutely nothing credit wise.

Other factors determine credit worthiness, such as having no defaults, not been insolvent or Bankrupt, no late payments, no delinquent accounts, been on the electoral role, having a stable address history.

It has absolutely nothing to do with your credit score.

DCFC79

ste74 wrote: »

hi, thanks but how much higher than 856 ? 900 ??? there must be someone who has a good idea about currys

It should be exactly 921. Seriously your score will have zero bearing on if you get accepted and at what rate.

Use cash for the PC or build your own.

Clive_Woody

ste74 wrote: »

hi, im new on here on 2 questions want to ask my credit score is 856 which is in fair, nearly good on exprian pie chart, does any body know what the score has to be to be in good? also whats the minimum credit score for currys as im thinking of getting a new pc, dont want to apply for finance at min till i know score as im saving for a morgage,thank you

The number you have for your credit score is only seen by you, Currys have no interest in what score Experian give you, they will use their own credit scoring method which may be quite different to the one used by Experian or other agnecies that like to sell punters meaningless numbers.

Your credit history is far more relevant, do you have late payments, missed payments, defaults, CCJs or are you financially linked with someone with a bad credit history? - these are the things Currys care about.

ste74

thank you all for replys i think i will save for a new mac, would rather have a better credit score so can apply for a morgage

[Deleted User]

ste74 wrote: »

would rather have a better credit score

Dear God...

CLAPTON

ste74 wrote: »

thank you all for replys i think i will save for a new mac, would rather have a better credit score so can apply for a morgage

when you apply for credit the lender will measure you against their own criteria
they will use the information on your credit HISTORY which is contained on your credit files. they will also use other information you provide, salary etc

at NO time will the fictious credit score be used.

for a mortgage you should have a credit history which shows you use credit well e.g. use a couple of CC regularly and pay in full, have no late payments on anything and no debts