What have you just bought?

[SnoopZ]

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.

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.

That’s a great score - mine (on that) is 673/710…

(apparently changing Energy supplier in August negatively impacted my score)

[SnoopZ]

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)

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