Just wanted the world to know that my credit score used to be 251 about 4.5 years ago. Now it is quite literally perfect.

Taken years of hard work to get it and it finally happened!!!

by Necessary-Trash-8828

30 comments

  4. Not all hero’s wear capes. It’s like when you used to create a player in fifa and give them 99 in all stats… mucho congratulations.

  5. Experian are always really high, try the one from your bank.
    Had 999 for yonks on Experian, on Lloyds who my borrowing is with it’s 650 ish

  6. Enjoy the feeling! I got 999 and then it went down for reasons I didn’t understand. But to get it up from the 200s is quite an achievement, well done.

  7. Just don’t move house, it drops it a few points and so is forever annoying

  8. If I have a really terrible score what would be the best way to get it back?

  9. I checked mine recently and it told me that I’d lost points because I had 0 balance across my credit cards… so because I had no debt, my credit score was lower…. Madness

  11. I’m 999 on Experian too but I’m only 898/1000 on ClearScore so clearly I’ve let myself down massively somewhere!

  12. Mine’s show 999 too at Experian. I assumed it’s a bug in their system.

  13. How did you take screenshot, for me it says screenshot cannot be captured.

  14. Mine was about 950, but I couldn’t afford to keep my flat because of the cost of the living and moved back in with my parents. Now that I’m not renting it’s plummeted down to about 600 🙃

  15. Your credit score doesn’t matter, this isn’t the USA. What matters is your credit file and if you still have problems from 4.5 years ago, it’s still a problem now.

  17. And what are those few things influencing your score?

  18. Well done. Now you can borrow lots of money and live in debt

  19. My ex wife had tanked my credit. So I subscribed to Experian using my credit card and paid off the balance each month. I can’t remember how long it took but I eventually got to this point and felt the same pride.

    Years later, I’ve decided to become a student and change career. My score is bank in the toilet again lol

  21. I’m nearly 40, I’ve never had a loan other than student and mortgage, never had a credit card, never had anything on the drip. My credit score hasn’t affected me in any way.

  22. The same Experian where you press a button to boost your credit score?

    It doesn’t really mean anything.

  23. My credit history and credit score (not that it means anything) we’re absolute trash when I was younger. After a lot of hard work and sacrifices, I got myself sorted and now having results like this on various apps. Think I’m 1000 on Clearscore last time I looked.

    In the day to day, it means very little, just a number, but I get why you are proud of it having been in the shitty debt cycle.

    To anyone out there struggling to make payments, assuming they’ve fucked up for life: it won’t change overnight but there are steps you can make to get on the right path. Talk to Step Change charity, they seem to be recommended to help with payment plans etc. Tackle the debt a spoonful at a time. Things can change for you.

  24. Don’t make the mistake of withdrawing cash from a credit card by accident whilst drunk. It took mine from 999 to 300ish 😭

  25. Never checked mine, but then i don’t take out loans i only buy what i can afford outright. Only subscriptions i have are basic bills gas/electric/water/internet/insurance/car tax. Even my phone is pay as you go. What i do is just save money until i can buy what i want even if it means not having it for a year. Cheaper no interest charged on goods with money in the safe/savings account save a fortune. If something were to happen like job loss im also fairly sound without having to worry. I have no plans to buy a house for higher than its worth and get into debt only for the gov to take a large chunk when i die and for whats left to be basically very little for the kids. Same with a car ill stick with my 10 year old car if it busts ill buy another £700 shed and sell that for close to scrap is it busts on me.

  26. Mine was around 950 before I bought my house 4 years ago, then a fuckin unpaid water bill with defaults from when I was a student caught me as I registered on the electoral roll, dropped it to the 600’s. Devastating that one. Back to nearly 900 again now finally.

  27. I got my credit score all the way up. Then I paid off my mortgage this year and it dropped down. Reason… I’d be more trusted by lenders if I had a mortgage…

  29. Most companies get your data from equifax, not experian. So if you were to apply for a credit card or loan, your near perfect experian credit score won’t matter.

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