Boring Credit Score Thread


#1

Sorry.

Is it possible to max your credit score just from using a couple of cards and paying them off properly/in a timely fashion. I want a perfect score but despite no ‘red flags’ and a heap of green ones on clearscore I’m still not there. Why not? Do I need to start buying BIG things with a cc and pay them off? I don’t understand.

Any lifehacking advice pls? Or whatever it’s called?


#2

I was in a similar position a few years back and although I had a credit card I never used it.
If you have one just start using it for small things (like if you buy stuff from amazon or paypal) and set up a direct debit (or always pay it off on time). That way you won’t get sting by interest or large amounts coming out you’d forgotten about.


#3

#4

Oh that bit i’ve done, I’m on ‘very good’, but i can’t seem to get it to a full 700 (cs) or 850 (experian) and it’s pissing me off


#5

Don’t worry about it


#6

i’m in mortgage mode. just want the best deal


#7

don’t think that’s gonna help is it?

it’s stuff like LTV and all that absolute guff


#8

I’ve had the mortgages and never known my score


#9

doesn’t it affect your interest rates?


#10

i don’t think so


#11

999 is the maximum on Experian uh oh :open_mouth:

I don’t know the circumstances where an excellent score is required. I guess very few or none


#12

oh disregard then everyone. thnx niki


#13

well i mean it might, but i’ve never ever been told that

i was under the impression that pretty much everything for a mortgage relies on your ltv rate

so the more deposit you have, the better rate you’re gonna get


#14

winner


#15

The bank cancelled my credit card because I wasn’t using it enough
Which I thought was a bit off of them tbqh


#16

yeah they do that. it’s irksome.


#17

yeah @plasticniki is right @xylo it’s mostly LTV and not having a total shanner of a score. and also having a constant job or account or whatever that will help you. we struggled to get a mortgage prior to getting my probation period over, and now we’re holding off cause of loads of things.


#18

thanks buddy. it sounds as though all is good. i’m only just getting my head around buying and have been going between excitement and paranoia


#19

yeah, probation is a thing as well

this is all reminding me that the tenants in the flat we are supposed to be buying still haven’t left (they had a court order to leave on friday)


#20

:frowning:

kill them?