Thread: So I got my experian score yesterday...

999

how / why?



I thought I would have had a much lower score than that!

Originally Posted by silverfox1961

I'm in the same boat although I don't know my score.
Two weeks ago, I went into my bank to get my internet access sorted for my basic bank account and came out with a "proper" current account. That's with two defaults on my credit file. go figure:?

Have you had an account long with the bank? often they will use their own risk analysis processes rather than relying on third-party data.

I had an equifax account and need to call them tomorrow to get log in details as I cant get into it... so shall check mine when I can.

Does anyone have any definition of what the numbers actually mean.... ? I gather higher the better but what are the risk areas if you like associated with the number... e.g. 0-499 = dont touch. 500 - 999 = deserves second chance etc etc etc

I would love to know what my score was, it would make intresting reading. But like many I won,t check as I do not want to rattle anybodys cages

the uk cra are a farce any way

total wate of time

Originally Posted by 2ltr16valve

I had an equifax account and need to call them tomorrow to get log in details as I cant get into it... so shall check mine when I can.

Does anyone have any definition of what the numbers actually mean.... ? I gather higher the better but what are the risk areas if you like associated with the number... e.g. 0-499 = dont touch. 500 - 999 = deserves second chance etc etc etc

VERY POOR 0-560
POOR 561-720
FAIR 721-880
GOOD 881-960
EXCELLENT 961-999

Thats the rating explained in experian. I am rated as fair but couldn't open a current account, have 1 default, so to be honest I think getting these credit scores are a complete waste of money and I believe the banks have there own way of scoring.