Hi,

Does this still stand as far as your aware - my current credit score is 766 out of 1000 on Experian and i can't seem to get a joint bank account with my partner.... iv had credit problems in the past but they are all in order and i have a mortgage and payments have never been missed.

Any assistance you can provide would be great as this credit malarky makes absolutely no sense to me at all!!

Debs :o)

Morning john, here goes......

all of the above is important and will be taken into account when you apply for any money.... I have been digging around for ratings and these might of use to you.......again other factors will be taken into account as said above..

A credit score of 700 and more, is exellent or very good.

a score from 680 -699 means "good"

score 620 - 679 is OK

score 580 - 615 is good for the ledders and not you as this is where they can take advantage of highter rates.

A score of 500 or less is where you will have trouble with credit and finance.

Hope this helps you,

Hi

I don't mean to bring you down but that figure doesn't mean very much, as your credit score is only as good as the scorecard a lender is using, and that varies. The fact that it appears to have improved is great, but in the scheme of things it's really difficult to say what that means in real terms. Your actual circumstances are a better indicator- length of time in house/job, how long you've held your bank account, how much other credit you have, and your management of that credit. Beyond that it'll ultimately be down to the criteria of the lender when you apply...

I hope that helps, if only a little :)

Firstly hello!!! This is my first time on the forums on Moneysupermarket!! I usually just use this site for searching mortgage rates etc. So hello............ again!!!

I've been trying to improve my credit score over the last 6-9 months and have got it from mid 600's when I started scrutinising my score to todays figure of 796. Its been about this level for about 2 months which has suprised me - since it has not gone up!!

Anyway, with my fixed rate mortgage term coming to an end in the next 4 months, I was wondering is this score ok??

I want to make sure I get the best possible offer I can. Whats your opinion of the score??

Thanks

John.