Experian Credit Score: What score do you need for "Excellent"?

A question about : Experian Credit Score: What score do you need for "Excellent"?

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I've signed up for my free trial of Credit Expert. It tells me that my credit score is 960, which equates to Good.

Does anyone know what your score needs to be before it reaches the Excellent zone? I have taken out two different credit cards in the past few months; I'm just wondering if I have a chance of an Excellent score once these drop off as negative factors.

Thanks in advance for any help

Best answers:

• I would like to know this as well
• I do believe past bankrupts, JSA entitlement, & defaults on ones credit file would normally guarentee an excellent credit score on experian so it seems..
• These scores are absolutely pointless except for lining the pockets of Experian.
• Equifax is as follows:
  0 299 Very poor
  300 349 Poor
  350 399 Fair
  400 474 Good
  475 750 Excellent
  Experian is as follows:
  0 560 Very poor
  561 720 Poor
  721 880 Fair
  881 960 Good
  961 1000 Excellent
  Credit to; xgingerx
  Post #11
  https://forums.moneysavingexpert.com/...d.php?t=411151
• Thanks very much! That's just the info I was after.
  I did try searching before I posted but think I was a bit too specific searching for Experian in the post title.
  Thanks again
• I'm with Experian. I've signed up for the 30 day free trial. I'm not sure if it's worth paying Ј14.99 a month though. I asked Experian to put a Notice of Correction against a late payment default. They have done but if I cancel before the 30 free day trial ends will they remove it?
• I'm not looking for a loan, I've never had any problem getting the best credit deals and I don't think the Experian Credit Score is the be all and end all of financial assessment. I just signed up to the free trial out of curiosity (and to check for any mistakes on my report, as advised on this site); I was intrigued to know what score I'd need to be in their top bracket, that's all.
  Thank you for the advice and comments. I do think it is a potentially useful reference but it's not something I'm going to put undue stock into. I understand that lenders all use their own criteria and obviously this will be relevant to me whenever I next wish to take out credit.
• I don't think aiming for a good credit score is worthwhile.
  Better to get a sense of satisfaction from:
  1) reducing your overall debt
  2) reducing the average APR for the debt you do have
  3) increasing your payments as a proportion of your remaining debt (and of course never missing payments).
  Money spent on credit scores can be used to help 1) and 3) above. I do think it is worth checking your report from time to time to look out for errors/identity fraud etc. But it seems to me that scores can go up and down so much that they are not really reliable. Plenty of threads where people got 999 and refused credit. The score is calculated from the data in your report - so it doesn't really add anything new if you have the report. The score a lender gives you will be based on this (or from another CRA), the data you put on the form and any other info they have to hand (eg if you bank with them).
• you need a score of at least 1500
• Also a similar things is...
  Why Aim for 100 in your degree? 70.1% will do for a first why " bother " aiming higher?
  These " scores " mean nothing. someone with 99.9 or 70.1% fit under the same umbrella. the harder you work at it the easier things are.
  I'm fed up of hearing scores are usless. someone with a credit score of 0 will be in a worst position to someone who is 999 that is FACT. some anomilies may occur granted.
• I'm sure it's one of 2 things;
  1) The person is full of it making up a lie because they have nothing else to do (certainly got no credit) We all know anyone with bankruptcy won't be touched for many years to come, or for some reason the Experian system isn't picking up the Bankrupt order, hence everything else is 999 apart from the BO.
  2) Experians system isn't perfect. no computer system is. why does HMRC send you a letter at the end of the year saying you own them XXX when didnt they catch it earlier?