Credit scores

[Poor Scouser T]

Anyone have a handle on how this this is calculated? Just went to buy my kid a motor and was knocked back. I then paid off a load of plastic and stuck the car on a card. I owe noone anything, have a good bit stashed but just do not get it. It is a strange thing. What else do they look into?

[Fugitive]

It’s because you’re a racist, shithouse nonce with a violent criminal past and a liar who lives in a halfway house.

[Mudface]

1 minute ago, Fugitive said:

It’s because you’re a racist, shithouse nonce with a violent criminal past and a liar who lives in a halfway house.

 

Credit Karma suggests improving those.

[Poor Scouser T]

Ha ha. A violent criminal past!! A Burt Reynolds pub punch up is not a violent criminal past.

[Captain Turdseye]

I reckon assaulting a police officer and going to prison definitely qualifies as a violent criminal past. 
 

But that’s just me. 

[Poor Scouser T]

And for the record I don't live in a halfway house. I have 3 houses.

[Elite]

Lenders look positively at people who don't back out of forum straighteners.

 

Fight Turdseye and you might get approved.

 

Otherwise, you need to have stuff on credit and pay it off to build up a reliable history.

[Captain Turdseye]

Lest we forget, you’ve knocked out cunts who said swear words on the bus in front of your mum. 

[Fugitive]

He does not deny being a nonce though.

[Poor Scouser T]

1 minute ago, Captain Turdseye said:

I reckon assaulting a police officer and going to prison definitely qualifies as a violent criminal past. 
 

But that’s just me. 

I went to nick on remand.I  got 90 hrs unnpaid work. I was never sentenced to prison.

[Fugitive]

1 minute ago, Poor Scouser T said:

And for the record I don't live in a halfway house. I have 3 houses.

You’re a fucking scumbag.

[Captain Turdseye]

Just now, Poor Scouser T said:

I went to nick on remand.I  got 90 hrs unnpaid work. I was never sentenced to prison.

You must have hit the copper hard enough for the CPS to want you off the streets. You’re a hard man. 

[Bjornebye]

What the fuck is a Burt Reynolds pub? 
 

Sick of these chains. Bring back free hold independent places 

[Strontium]

Burt Reynolds more like Bruce Reynolds

[Remmie]

Aren't there websites like clearscore that show you your credit rating and give you a bit of guidance? Also, if you haven't borrowed much, then you won't have a history proving you can pay it back. 

 

Moneysavingexpert.com will probably have some info on this as well

[Section_31]

1 hour ago, Poor Scouser T said:

Anyone have a handle on how this this is calculated? Just went to buy my kid a motor and was knocked back. I then paid off a load of plastic and stuck the car on a card. I owe noone anything, have a good bit stashed but just do not get it. It is a strange thing. What else do they look into?

 

Pay for your credit report, it's only about £3, sometimes there's stuff on there that's not yours, they 'link' you to other people's credit histories without asking you sometimes. 

[Mudface]

22 minutes ago, Remmie said:

Aren't there websites like clearscore that show you your credit rating and give you a bit of guidance? Also, if you haven't borrowed much, then you won't have a history proving you can pay it back. 

 

Moneysavingexpert.com will probably have some info on this as well

 

Yeah, Clear Score, Credit Karma and MSE all offer free accounts. Thing is, the credit score they give you is just an arbitrary figure, the accounts are mainly to flog you credit cards and loans for commission. They're useful to check all your accounts are in order and at least the scores they give you are relative, but the company you apply to for credit will have their own scoring system which will likely use different factors. The only time they're of much use is if you're applying for a mortgage or re-mortgage- about six months beforehand, you should make sure that everything's in order, as that's a bit more serious than cards or loans.

 

As an illustration of how daft credit scoring can be- when it looked like things could get really bad at the start of the pandemic, I increased the limit on my credit cards just in case I needed to use them. My score went down as I'd applied for extra credit. After a few months, my score went back up as I hadn't used that extra credit. Later still, the score went back down, because I had no credit balance on the cards.

[Dr Nowt]

1 hour ago, Poor Scouser T said:

Anyone have a handle on how this this is calculated? Just went to buy my kid a motor and was knocked back. I then paid off a load of plastic and stuck the car on a card. I owe noone anything, have a good bit stashed but just do not get it. It is a strange thing. What else do they look into?

Siri, what is a humble brag?

[ZonkoVille77]

Can anyone sum this up for Liverpool Lad?

[Scooby Dudek]

6 hours ago, Bjornebye said:

What the fuck is a Burt Reynolds pub? 
 

Sick of these chains. Bring back free hold independent places 

It's a pub where you are still allowed cigarettes and fruit machines inside. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Smokey and the one armed bandits.

[Section_31]

2 hours ago, ZonkoVille77 said:

Can anyone sum this up for Liverpool Lad?

 

Don't leave your wallet unattended when you go to a brasshouse.