What have you just bought?
Yesterday, 21:58
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#7786
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CF Resident Dog
Join Date: Mar 2005
Services: Zen FTTP 910
Posts: 16,235
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Re: What have you just bought?
Quote:
Originally Posted by Hugh
The same, but use BA Amex and Barclaycard Avios cards to get Avios Points, which we use for Business Class long-haul flights about every two years (only pay taxes, as the Avios Points pay for my seat and the free Companion voucher for SWMBO’s seat).
As has been said, it’s excellent for credit ratings - our score in Equifax is 987/1000…  |
Now you have started something!
My TransUnion is 683/710, this is what I get for putting everything on Credit Card and paying in full each month's statement.
Last edited by SnoopZ; Yesterday at 22:31.
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Yesterday, 22:10
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#7787
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laeva recumbens anguis
Cable Forum Mod
Join Date: Jun 2006
Age: 69
Services: Premiere Collection
Posts: 45,088
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Re: What have you just bought?
Quote:
Originally Posted by SnoopZ
Now you have started something!
My TransUnion is 683/700, this is what I get for putting everything on Credit Card and paying in full each month's statement.
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That’s a great score - mine (on that) is 673/710…
(apparently changing Energy supplier in August negatively impacted my score)
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Yesterday, 22:33
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#7788
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CF Resident Dog
Join Date: Mar 2005
Services: Zen FTTP 910
Posts: 16,235
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Re: What have you just bought?
Quote:
Originally Posted by Hugh
That’s a great score - mine (on that) is 673/710…
(apparently changing Energy supplier in August negatively impacted my score)
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Increasing my credit limit and spending a lot more on it one month negatively impacted mine a few point as well, even though I paid it off in full on time.
Apparently we're on the old legacy scoring system with TransUnion, this is the new one and roll out begins September 2026.
https://www.transunion.co.uk/consumer/new-credit-score
Last edited by SnoopZ; Yesterday at 22:38.
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Yesterday, 23:30
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#7789
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laeva recumbens anguis
Cable Forum Mod
Join Date: Jun 2006
Age: 69
Services: Premiere Collection
Posts: 45,088
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Re: What have you just bought?
I can live with "excellent"…
(SWMBO wants a couple of new powered recliner Parker Knoll sofas, and that makes interest free credit easier to get..)
__________________
Thank you for calling the Abyss.
If you have called to scream, please press 1 to be transferred to the Void, or press 2 to begin your stare.
If my post is in bold and this colour, it's a Moderator Request.
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Today, 07:23
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#7790
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cf.mega poster
Join Date: Jan 2008
Location: Up North - Where It's Grim
Age: 59
Posts: 2,594
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Re: What have you just bought?
Clear score 1000
Experian 1250
TransUnion 664
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Today, 19:44
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#7791
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Do I care what you think
Join Date: Jul 2006
Location: Cardiff South Wales
Age: 76
Services: V6 ,Virgin L. Phone Broadband.sky go Netflix
Posts: 5,637
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Re: What have you just bought?
Never looked at mine, not sure I have one at all! Never borrowed money in any shape or form .
__________________
No point in being pessimistic. You know it won`t work.
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Today, 20:05
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#7792
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Just a Geek
Join Date: Jul 2015
Posts: 5,105
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Re: What have you just bought?
Quote:
Originally Posted by Itshim
Never looked at mine, not sure I have one at all! Never borrowed money in any shape or form .
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everyone hows one unless you never borrowed anything or set up a contract anywhere for a lot of day to day items
I also think there is a good chance you are on it if you are on the electoral register too
__________________
Is your muffin buttered? Would you like me to assign someone to butter your muffin?
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Today, 20:13
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#7793
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In the gang of three
Join Date: Jul 2004
Location: Hiding . . from all the experts
Posts: 5,932
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Re: What have you just bought?
Quote:
Originally Posted by Itshim
Never looked at mine, not sure I have one at all! Never borrowed money in any shape or form .
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I think we're safe anyway Itshim, even if I wanted to borrow £50k repayable over 10 years I wouldn't find anyone to go for it . . . unless of course they had half the house as a bond 
__________________
If knowledge is power, how come those in power seem so stupid?
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Today, 20:15
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#7794
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vox populi vox dei
Join Date: Mar 2007
Location: the last resort
Services: every thing
Posts: 15,646
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Re: What have you just bought?
i've never checked to see if i have a credit score
__________________
To be or not to be, woke is the question Whether 'tis nobler in the mind to suffer. The slings and arrows of outrageous wokedome, Or to take arms against a sea of wokies. And by opposing end them.
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Today, 20:23
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#7795
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cf.addict
Join Date: Oct 2003
Location: Nottingham
Posts: 358
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Re: What have you just bought?
Quote:
Originally Posted by papa smurf
i've never checked to see if i have a credit score
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I dare say I do have one, but no idea what it would be considering that I haven’t borrowed any money for twenty years or more and paid off my mortgage fifteen years ago.
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Today, 21:25
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#7796
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Just a Geek
Join Date: Jul 2015
Posts: 5,105
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Re: What have you just bought?
Quote:
Originally Posted by Dingbat
I dare say I do have one, but no idea what it would be considering that I haven’t borrowed any money for twenty years or more and paid off my mortgage fifteen years ago.
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every entry resets after 6 years but you will have no strikes against it so it will not be bad
__________________
Is your muffin buttered? Would you like me to assign someone to butter your muffin?
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Today, 22:30
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#7797
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CF Resident Dog
Join Date: Mar 2005
Services: Zen FTTP 910
Posts: 16,235
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Re: What have you just bought?
Quote:
Originally Posted by Dingbat
I dare say I do have one, but no idea what it would be considering that I haven’t borrowed any money for twenty years or more and paid off my mortgage fifteen years ago.
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If you have a banking app on your phone then it is often in the options to check and it takes seconds, it lets me check mine once a month although I don't really need to, I just decided to take a look for the first time a few months back.
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