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Moneyforums
Veteran Investor
Joined: 18 Jun 2004
Posts: 598
Cash Points ££ 250.42
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 Posted: Sat Feb 04, 2006 9:28 pm Post subject: Free Online Credit Scoring tool |
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This topic is to discuss the MoneyForums online credit score calculator tool.
http://www.moneyforums.co.uk/credit_score_calculator.php
Just input basic data about the state of your finances and the tool will calculate your credit score for FREE and as many times as you want it to ! |
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Guest
Cash Points ££ 15.00
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| Posted: Mon Feb 06, 2006 5:01 pm Post subject: |
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Wonderfull tool ! Excellant !!!  |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Mon Feb 06, 2006 6:22 pm Post subject: |
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Thanks 
Please do let as have any feedback on any improvements you would like the moneyforums team to make to the tool |
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Guest
Cash Points ££ 15.00
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| Posted: Wed Feb 08, 2006 3:48 am Post subject: |
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| How come your credit sorer does not take into account of the electoral register ? |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Thu Feb 09, 2006 7:36 am Post subject: |
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| Anonymous wrote: | | How come your credit sorer does not take into account of the electoral register ? |
Thanks for the input, you will find that we have now adjusted the scorer to reflect a persons status on the electoral roll.
Please do keep the comments coming |
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Dora
Guest
Cash Points ££ 15.00
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| Posted: Sun Feb 12, 2006 7:04 pm Post subject: |
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Just thought you would be interested
My credit score from Experian is 686 and your scorer gives me 703
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Myopinion
Stranger
Joined: 04 Apr 2005
Posts: 10
Cash Points ££ 153.14
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| Posted: Mon Mar 06, 2006 9:31 pm Post subject: |
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| Should I close cards that I have not used in a while ? |
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Phillipa
Veteran Investor
Joined: 05 Feb 2005
Posts: 419
Cash Points ££ 3383.78
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| Posted: Sat Apr 01, 2006 2:33 am Post subject: |
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| Myopinion wrote: | | Should I close cards that I have not used in a while ? |
It depends, since you do need long standing cards with good credit histories.
A good guide is not to have more than your annual gross salary as open credit, so if you have more than this unused credit limits then close them down. |
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Googie
Stranger
Joined: 07 Feb 2006
Posts: 9
Cash Points ££ 298.96
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| Posted: Thu May 11, 2006 2:31 pm Post subject: |
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Nice calculator, though I note a couple of things.
It does not take into account how much existing credit you have relative to your oustanding debt and income ?
Maybe you could look at adding that into it ? |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Fri May 12, 2006 12:10 am Post subject: |
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| Googie wrote: | Nice calculator, though I note a couple of things.
It does not take into account how much existing credit you have relative to your oustanding debt and income ?
Maybe you could look at adding that into it ? |
Thankyou for your suggestions, these have now been incorporated into the credit score calculator, (££200). |
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Roberts
Beginning Saver
Joined: 06 Jan 2007
Posts: 25
Cash Points ££ 464.36
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| Posted: Sat Jan 06, 2007 5:50 pm Post subject: |
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Ive found your free calculator really useful
And can confirm that it is pretty accurate, cos I tested it against Esperians score and got a similar one. though I had to pay for that one  |
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monkeymoney
Stranger
Joined: 08 Aug 2007
Posts: 1
Cash Points ££ 14.10
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| Posted: Mon Aug 13, 2007 10:05 am Post subject: |
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| Great tool but would it possible to take into account whether the CCJ had been paid? I was accepted for a bank account only after I got the court to issue a certificate saying that the debt had been paid. |
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Shahla
Money Managing Guru
Joined: 13 Nov 2004
Posts: 3324
Cash Points ££ 126163.28
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| Posted: Tue Aug 14, 2007 3:40 am Post subject: |
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| monkeymoney wrote: | | Great tool but would it possible to take into account whether the CCJ had been paid? I was accepted for a bank account only after I got the court to issue a certificate saying that the debt had been paid. |
Thanks for the suggestion, and we will look into it at the next update. |
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