@martinlewismse: How credit scoring works (the pub version!), just a snippet from the full how to boost your credit score Martin Lewis Money Show now on ITVX

Martin Lewis
Martin Lewis
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Region: GB
Thursday 01 February 2024 17:09:55 GMT
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matthewlark
Matthew Lark :
never owned a Credit card and have a score of 804
2024-02-01 17:39:13
44
user3943758654901
Mark Hall9658 :
I have a credit card , I have a credit score off 999 and I can’t get a balance transfer 🤷‍♂️
2024-02-09 17:09:57
7
karlbonas
karlbonas :
never missed a car payment in 2 years credit score has not improved at all. system is a joke
2024-02-02 01:14:02
1
mattj445
mattj445 :
Credit underwriter here 👋
2024-02-01 20:43:43
23
prince53506
Prince🇬🇧 :
999/999 on Experian MSE Credit Club - didn’t think that was even possible!
2024-02-01 17:32:33
6
nick.de.silva
Nick.De.Silva :
Older people with no credit history shouldn't be considered high risk
2024-02-01 22:03:50
1
blue_eyed_genie
Blue_Eyed_Genie :
Do things like klarna work? I do the first payment, then instantly pay the other 2 payments.
2024-03-02 17:17:28
2
irnbanana
mattydonaldson0 :
🥰
2025-01-10 08:54:33
0
king_jayms
Jay :
No credit score is a trap so u r the one who is going to be a slave the most to them so they can benefit from you
2024-02-04 20:11:09
1
factchap
factchap :
Salesman for the banks
2024-02-01 22:58:23
21
billiemunk13
BillieMunk13 :
🤣🤣 imagine believing credit scores aren't anything more than an arbitrary metric to exert control over a population
2024-02-01 18:08:07
21
djjerroski1
Dj-Jerroski :
I really don't understand credit cards as I can manage my finances very well
2024-02-08 01:01:25
19
josmith6257
Jo Smith :
I have a 999 perfect credit score, but because I still have black marks from 4/5yrs ago, I still can’t get high street credit. What’s the point in the score if no one pays attention to it!
2024-02-09 06:41:15
16
sakeel_abdullah
sakeel_abdullah :
😂😂😂
2024-02-02 23:59:59
16
jaygregory3
Jay Gregory :
Your credit score is only aindication in how well you can make them money
2024-02-02 01:47:08
5
benflynn1
benflynn1 :
Never checked mine, never needed to.
2024-02-02 05:18:26
4
dc19361
dc19361 :
But the interest is only applicable if you don’t pay it back immediately or within 28 days so the rate means nothing
2024-02-01 20:03:48
4
joedixon26
Joe :
But why does a credit score at 16 define who you are at 36? You mess up as a child and you ate automatically labelled as bad at 36
2024-02-07 15:13:51
3
whfydh182647474hfbdkwhd
⠀ㅤ‍‍ . :
credit can be a benifit at times even if you can afford it..any purchase over 100 then you have additional protection
2024-02-10 11:27:22
2
brownrb49
Richard :
All of this is like playing a board game
2024-02-02 07:47:07
2
dolawarrior
Dola Ajoba :
Funny how i had the best credit score you can get when i first moved back to the uk after being abroad.
2024-02-01 19:41:27
2
d.i_l.l_i.g_a.f
d.i_l.l_i.g_a.f :
it also looks at how much you can borrow, so you can afford it
2024-02-01 19:32:31
2
mofullpowerutilities
www.extraincomein2025.com :
country is broke system is corrupt & yet they tell me & you were not credit worthy 🤣🤣🤣
2024-02-25 06:06:54
1
intuitivleykelles
Kelles| Intuitive Dating Coach :
If you have credit cards is there any point in having a credit builder card? Or is that just for people who can not get credit?
2024-02-18 02:54:17
1
daviduzzgyt
john :
you failed to mention the flaw. if people just pay interest and ask for borrowing increases they normally get it eventhough they cannot afford it
2024-02-14 12:27:15
1
djjerroski1
Dj-Jerroski :
I'm d third scenario as I never thought about credit until now I wanted a mortgage and all brokers keep saying credit score& now i got car finance
2024-02-08 01:00:08
1
saze264
SaySay🏴󠁧󠁢󠁳󠁣󠁴󠁿🦄 :
I got on the credit score board by buying clothes online at next. It’s started a klarna style account. Since then it’s been a rollercoaster 😅
2024-02-02 11:14:24
1
ulthweblack
Rob Shooter :
Works well I had no credit and I rented. I got a credit card and eventually a mortgage I am now topped out at 1000 score
2024-02-02 01:50:04
1
mrpat888
Mr.Pat :
What’s the current uk gdp to debt ratio ? How these people can give anyone a score 🤣
2024-02-01 23:29:06
1
sjdawson2
Stu :
It’s total bs My history 6 years ago because of an ex was bad last month I had a perfect score of 1000 I have the evidence and NOTHINGS changed!
2024-02-01 21:40:17
1
jmo2503
JM :
Who gave these companies the right to know all this stuff about me?
2024-02-01 20:23:08
1
thomasnicholas1
tom :
£20 that's 2 pints lol
2024-02-01 19:29:19
1
jdog8157
James Hughes :
when I got my mortgage (first time buyer) my credit score dropped by almost 200pts :/
2024-03-28 23:49:00
0
jarvbrah
Jarvbrah :
I’ve never had debt, never had loan or finance, never gone into my OD, lots of savings, even use my credit card and pay off in full every month yet my credit score is 605/710. 31 year old
2024-03-05 21:28:10
0
adamgreggz
Adam Gregory :
A credit score it just a tool to get you in more debt
2024-02-20 05:59:54
0
whatstaters90
Katie M :
what's annoying is when you were a bugger with your wallet when you were really young but ten years later you're super reliable and very organised and they still treat you like that scatty teenager.
2024-02-17 15:09:31
0
kellymcdermott1983
🌈 Kelly McDermott 🌈 :
@karmaisreal2323
2024-02-10 11:22:37
0
djjerroski1
Dj-Jerroski :
meaning I've never owned a credit card 💳
2024-02-08 01:01:54
0
johngerry386
johngerry386 :
I had no credit history at all but still they gave me a monthly paying phone 😏
2024-02-06 14:54:06
0
clareberry123
Clare :
@Fred
2024-02-04 11:09:55
0
joannehill7
Joanne Hill :
@Evie🫶🏼
2024-02-02 22:34:15
0
purple.gpt
Purple GPT :
No internet
2024-02-01 23:25:52
0
theseethingsaint0
SAINT. :
It won't count 💯
2024-02-01 19:06:48
0
nunu48590
nunu48590 :
I have 995
2024-02-01 18:06:13
0
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