Credit Score

[grr]

I have just been turned down by a loan company, they said i was one point off as i only had 224 points. They also said i needed 225 (1point off).what is one point need a link maybe to scoring chart Help!

[CheekyChops]

I don't think you will find a chart, all companies use their own methods of credit scoring and award different numbers of points for different things.

[Pippa68]

The best thing to do would be to get a credit score from Experian ~ they are the main company lenders go to for credit checks.

Experian will send you your credit score sheet detailing debts paid/unpaid etc. You should then be able to see what you need to do.

Check them out on google :o)

[Pippa68]

Here you go..

http://www.experian.co.uk/creditreport/

[Pippa68]

Those blasted 'p's!!

Take the <p> off the link...

[kempie]

The three main credit reference agencies in the UK are (in no particular order) Callcredit, Equifax and Experian.

Contact details for each are available here.

[Oneeyedvic]

Bear in mind that credit scores change on a monthly basis - not only your own credit score but also the lenders criteria score.

Credit scoring is fairly complex and also very secretive. No company that I know of will actually tell you their own criteria or your score - as this will open up the door to potential fraud.