What is the highest credit score you can get

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  alfie731 year, 10 months ago #1Show comment toolsReply

  i think its a 1000
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  flyingflea1 year, 10 months ago #2Show comment toolsReply

  1000?? I know a credit score value of 600 gives a 4* credit rating so thought highest would be about 750.
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  tomvilla1 year, 10 months ago #3Show comment toolsReply

  highest is 999
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  magicjay1986[mod]1 year, 10 months ago #4Show comment toolsReply

  It is certainly 999 with Credit Expert. However, it depends on who conducts the scoring.
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  flyingflea1 year, 10 months ago #5Show comment toolsReply

  magicjay1986

  It is certainly 999 with Credit Expert. However, it depends on who conducts the scoring.

  
  That would be CallCredit
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  cannyscot1 year, 10 months ago #6Show comment toolsReply

  'bout tree fiddy.
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  sancho19831 year, 10 months ago #7Show comment toolsReply

  You know It's all meaningless right?
  
  Different lenders base their 'rating' on different factors.
  
  The only real purpose to those things is to check nothing's on there that shouldn't be
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  effingandjeffing1 year, 10 months ago #8Show comment toolsReply

  the highest a multi billionair who still dips into his overdraft sometimes and is on the electoral role
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  Adnan7861 year, 10 months ago #9Show comment toolsReply

  Is this a recent thing, because when i got my credit report from equifax and experian last, i didnt see a score, just a record of my financial dealings.
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  Adnan7861 year, 10 months ago #10Show comment toolsReply

  RFC

  Adnan786

  Is this a recent thing, because when i got my credit report from equifax and experian last, i didnt see a score, just a record of my financial dealings.

  
  
  nope, did my with experian 947 points and i aint bull shittin...........

  
  
  Thats a really good score, im going to have to give them a another go and look at how to get mine lowered to average
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  cis_groupie1 year, 10 months ago #11Show comment toolsReply

  My score is 9 out of 10 (I failed on one of the maths questions).
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  magicjay1986[mod]1 year, 10 months ago #12Show comment toolsReply

  My score with Experian is 999. The way to get it up is to actually get credit and pay it back on time.
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  Johnmcl71 year, 10 months ago #13Show comment toolsReply

  sancho1983

  You know It's all meaningless right?
  
  Different lenders base their 'rating' on different factors.
  
  The only real purpose to those things is to check nothing's on there that shouldn't be

  
  
  Exactly, I've seen quite a few people complaining because they have a credit score of 999 but have been turned down for loans/mortgages etc. because the criteria the credit score companies and actual lending companies use is different.
  
  John
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  flyingflea1 year, 10 months ago #14Show comment toolsReply

  sancho1983

  You know It's all meaningless right?
  
  Different lenders base their 'rating' on different factors.
  
  The only real purpose to those things is to check nothing's on there that shouldn't be

  
  Thanks and yes I'm fully aware of how credit scoring works but I disagree that the credit score value is meaningless. It does provide you a good indication of where you stand amongst the crowd and there is a full explanation about the credit score value.
  
  I figured as I had a flawless report and regularly use several different forms of credit I would have had a higher score so was intrigued what the next bracket was for 5* and what the upper limit was. I'm still in disbelief that it goes up to 1000 when 600 can achieve a 4* rating!
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  Johnmcl71 year, 10 months ago #15Show comment toolsReply

  The problem is though it sounds like you should have no issues with getting credit whereas there are people with higher scores who have trouble with getting credit which is why I think it's pretty meaningless as clearly that makes no sense.
  
  John
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  flyingflea1 year, 10 months ago #16Show comment toolsReply

  It does make some sense. Someone who pays off all their credit cards in full every month without fail is hardly a profitable customer to some credit lenders.
  
  I have been declined for two MBNA cards in the past but have been OK since I've started to space my applications out (I also avoid MBNA altogether now!)
  

  
  Edited By: flyingflea on Jun 26, 2011 23:24
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  flyingflea1 year, 10 months ago #17Show comment toolsReply

  Finally had a reply from creditscorematters.co.uk. They said the highest possible score was 1000 but the highest they've seen is only about 650.
  

  
  Edited By: flyingflea on Jul 01, 2011 11:31
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  1278901 year, 9 months ago #18Show comment toolsReply

  creditscorematters.co.uk use Callcredit and have to say that they have the most inaccurate credit report - missing off a current account, two credit cards and a mobile phone contract - needless to say it is no wonder the credit scores generate never come close to that of Experian and Equifax

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