We use cookie files to improve site functionality and personalisation. By continuing to use HUKD, you accept our cookie and privacy policy.

What is the highest credit score you can get

flyingflea Avatar
flyingflea3y, 9m agoPosted 3 years, 9 months ago
with creditscorematters.co.uk / callcredit.co.uk ? It gives you a credit score (value) as well as a credit rating between 1-5 but doesn't say anywhere what the highest value is.
flyingflea Avatar
flyingflea3y, 9m agoPosted 3 years, 9 months ago
Options

All Comments

(18) Jump to unreadPost a comment
Comments/page:
alfie73#1
i think its a 1000
flyingflea#2
1000?? I know a credit score value of 600 gives a 4* credit rating so thought highest would be about 750.
tomvilla#3
highest is 999
magicjay1986[mod]#4
It is certainly 999 with Credit Expert. However, it depends on who conducts the scoring.
flyingflea#5
magicjay1986
It is certainly 999 with Credit Expert. However, it depends on who conducts the scoring.

That would be CallCredit
cannyscot#6
'bout tree fiddy.
sancho1983#7
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
effingandjeffing#8
the highest a multi billionair who still dips into his overdraft sometimes and is on the electoral role
Adnan786banned#9
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.
Adnan786banned#10
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
cis_groupie#11
My score is 9 out of 10 (I failed on one of the maths questions).
magicjay1986[mod]#12
My score with Experian is 999. The way to get it up is to actually get credit and pay it back on time.
Johnmcl7#13
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
flyingflea#14
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!
Johnmcl7#15
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
flyingflea#16
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
flyingflea#17
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
127890#18
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

Post a Comment

You don't need an account to leave a comment. Just enter your email address. We'll keep it private.

...OR log in with your social account