www.iva.co.uk

Just out of interest or 'fun'

I notice quite a few of us in this forum have mentioned getting a credit report/score, so.. I was just wondering what is your score??

You can total up your accounts that have defaulted, current, up to date etc, your IVA, Bankruptcy records etc and when they drop off etc and which credit reference service you used (if more than one) and the score you was given.

I'll start the ball rolling...


12 Previous 'Satisfied' Non Mail order accounts
2 Accounts showing up to date
7 Defaults,
IVA record due to drop of record on 7th July 2012
Current score 800 (Credit Expert)

Mine is currently 367, when my defaults drop off I will post my Credit Score by month from just before completion up to current date when all drop off. That will be circa January 2013. Await my post lol.

My score is irrelevant, a credit score is just a con by the CRA;s to get you to cough up money for a largely irrelevant number, individual banks and lenders use their own internal scoring systems when deciding to lend that bear no resemblance to those you pay to see from the CRA's.

I remember when mine was 999 and I still got refused credit

I vaguely recall from a some investigations I made that a score of 999 was a deliberate one which meant 'No Idea, , No History, you have been warned , Don't Lend.'

Nothing meant personal there, just something I saw once when I looked deeper into this.

I had plenty of history with that score Herbekj! loads of credit accounts all up to date, nothing adverse and still couldn't get credit, so I just take credit scoring with a pinch of salt now as it means nothing

I think you have actually backed up my point that a score of 999 means you are a credit risk...

We haven't a clue what ours are and, as we won't be borrowing again anytime sooon we're not bothered.

Don't forget as well that some creditors have their own criteria which will be totally different to the CRA's.

447 on annual credit report.

1/5 on noddle.

Paul