Credit Repair



697 Credit Score – Highest Rated?

Why Credit Scores are meaningless in the UK, and I explain this using Experian a credit broker that offer free monthly credit score updates. I explain why you shouldn’t care about your Experian Credit Score in the UK, and show you the best thing to look at when looking to apply for a mortgage or a loan.

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Disclaimer: I’m not a financial advisor, if you seek financial advice, please see a licensed professional.

Sources: – FREE CREDIT REPORT!! – Lender requirements and what they check on applications.

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  1. Aloysius Thames
    July 25, 2021 at 1:25 pm

    My Clear Score which I believe is more transparent or in my case looks the worst among others has done nothing but drop due to not being on the electoral roll, as low as 289 out f 700 but still I’ve managed to get low interest rate credit cards and a mobile contract at its lowest, I always pay in full & on time at the end of the month, I wouldn’t bother paying money to these companies because you can hardly speak to someone about your score in person and have a real conversation about it & how or why the positive things you’ve done over the years still don’t reflect on your report. I’ve paid of loans long before the end date, I’ve been a guarantor to someone who has also paid off their loan, and still no sign of my score going up, the whole thing is flawed IMO.

  2. Dean Unknown
    July 25, 2021 at 1:25 pm

    It's always been useless mate, when you go for mortgage or big loans they will check your JOB and income and how long you been in employment and some times qualifcations, they never go by a scores of 999 it's worthless in my opinion, you can have a score of 300 and still get a £450,000 loan because you might have a very good paid with prosepcts high Job, and someone with a normal Job with 999 scores with flying raindows gets NOTHING it's weird but that's how it works, i know someone who is on £17000 a year and score with 999 super green credit file no negatives it's 100% clean got turned down for a 25,000 loan and he been in employment for 12 years LOL and he found it it's because he was on a low income and not a super clean score and always keeps up with payments !!!!!

  3. Daniel
    July 25, 2021 at 1:25 pm

    Think of Experian like Facebook for credit.. Just like Facebook sell you to advertisers Experian sell you to credit lenders

  4. Did my inner peace disturb your Demons
    July 25, 2021 at 1:25 pm

    This is overseas credit

  5. Allentwo Walktwo
    July 25, 2021 at 1:25 pm

    At least someone is not buying into it with paying for something a bank can just tell you.

  6. Twinkle Tale
    July 25, 2021 at 1:25 pm

    I will never trust a Credit Card as I don't see the need for one if you are good with money.

    I understand though why people need Credit Cards, but I personally would not choose to possess one.

    Good informative video by the way!

  7. Jake at Vantage Point
    July 25, 2021 at 1:25 pm

    No debt is the best debt!! That being said, a healthy credit score is a good thing 🙂