What is the highest credit score you can get

18 replies
Found 25th Jun 2011
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.

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18 Comments

i think its a 1000

Original Poster

1000?? I know a credit score value of 600 gives a 4* credit rating so thought highest would be about 750.

highest is 999

Supermod

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

Original Poster

magicjay1986

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


That would be CallCredit

'bout tree fiddy.

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

the highest a multi billionair who still dips into his overdraft sometimes and is on the electoral role

Banned

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.

Banned

RFC

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

My score is 9 out of 10 (I failed on one of the maths questions).

Supermod

My score with Experian is 999. The way to get it up is to actually get credit and pay it back on time.

sancho1983

You know It's all meaningless right?Different lenders base their 'rating' … 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

Original Poster

sancho1983

You know It's all meaningless right?Different lenders base their 'rating' … 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!

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

Original Poster

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" 26th Jun 2011

Original Poster

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" 1st Jul 2011

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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