Bad Credit Agency

Do you think I can get a loan with a credit of score of 857 from experian?

Will experians scores and other reference agencies be similar?Thank. I am writing from the UK.

Public Comments

1. Um...yes...that's a great score!
2. You should, that's a great score.
3. That is a very good score. You shouldn't have any problem getting a loan. Be sure to shop around though. Don't take the first offer you get.
4. that is a great credit score....you shouldnt have any problem getting credit...
5. Anyone can get a loan. Applying doesn't affect your rating so give it a go.
6. i don't understand scores so i can't help there. i do know however the more times your credit is checked your score goes down so be care full shopping around as each company will check your credit x
7. The credit scoring system is between 0 and 1000. The closer to 1000 your score, the better your chances are of getting credit. With a score of 857 (Which is good) most companies would not be concerned about giving you credit. Most companies like Experian and Equifax (These are the most popular companies for credit searches) use the same credit scoring so you should be ok. And although most people think that applying for credit doesn't affect you score...It DOES affect your chances as each loan application, whether successful or unsuccessful is logged on your record. A company may refuse you credit if they think you are applying too frequently..It gives the impression that you are desperate for credit or cash...So be careful how many times you apply. I believe the scoring is divided into sections and about 10% is allocated to applications..The more you apply...the lower your score will be. Incidently, my credit score is 931 with Experian..and i'm still very apprehensive about credit and prefer to buy things cash if I can.
8. if you go to www.moneysupermarket.com they will ask you a few questions and tell you how good your rating is and give you some possible lenders and their APR rates with no obligation to sign up to anything.good luck ps they also do insurances and loads of other stuff!!
9. Well, I was turned down for credit with a score of 999/1000 with Experian. I think it depends on the company, some have a policy of not borrowing if your credit score is too high, because they feel they won't be able to screw you for the maximum amount of interest. They think you'll repay too quickly. Best company to ask is the Co-op. Fairly decent rates on their credit cards. Good luck!
10. If you are looking to buy something large like a house or something I would suggest you do not buy anything else from this moment until purchase is complete. Keep paying your bills on time, take on no new debts. Your credit scores should be fine. Keep up the good work.
11. I have never heard of a credit score over 850. In the USA, Fair Isaac and Company "FICO" only goes from 350-850 I dont know where your getting your info from.
12. should,but I have a 650 score& over 100,thousand in accts. & was told not good enough to co-sign on a 40,thousand loan!!
13. Yes, You should have no problem. The three agencies may vary, but not significantly.
14. Great score wish i had yours
15. You should not have a problem getting a loan with a credit score of 857. Transunion, Equifax, and Experian will score you very similarly. A good rule of thumb is a score above 720 is a very good score. Although, depending on the lender and what type of loan you are wanting to get there may be other factors taken into consideration. Income...are you currently employed and do you have a means to pay back this loan? Stability...how long have you lived at your current residence? Do you rent or own? How long have you been at your current job? History...how much time do you actually have in the credit bureau and are the accounts adequate? The younger you are the less time you have in the credit bureau. For example, I have seen a 20 year old have a very high credit score but only a few accounts reporting in the bureau. There are no delinquencies on any of the accounts. The problem was that these accounts had only been paid on for around 12 months plus, it was revolving debt (credit cards) and not an actual installment loan. A lender cannot base the expectancy of their loan on 12 months worth of payment history. Therefore, you cannot expect a credit score to be the only factor in borrowing money although it is a pretty good indicator. Again, it depends entirely on the lender and what kind of loan you are wanting if they choose to use those other factors. But let me make a final assumption...since you're having to ask if that credit score will get you a loan, then that is not a very good indicator that you've borrowed much money in the past. Do you have adequate payment history? Take a second look at credit report and look at the "report" this time and not just the score. I hope this will help you.
16. Apply online at www.surefirefinance.co.uk and you will get a loan as long as you have 3 years address and employment history, proof of income and are not bankrupt or have fraud warnings.
17. That's a great score....considering 850 is max. Are you sure that's your score? At least on Fico scores. Scores for all agencies are similar but not identical.
18. Hi, Providing you have an income then I dont see a problem. I am an underwriter with a Finance Company. I advise you to take time a look on the internet at all the rates that leading lenders offer. DO NOT apply to them all, everytime you apply for a loan you are credit searched by them - this reduces your credit score each and every time, the more searches you have in the last 3 months can greatly affect the decision to give you a loan. Choose the best offer before you apply to ensure your credit score remains as high a possible. The internet should provide you with all the info on the leading lenders and the rates they offer.