MikeMA
pfm Member
Out of curiosity I signed up for the "free" version of Experian a few months ago. Once a month or thereabouts I get an email inviting me to check my latest score. The highest rating you can get is 999. Mine is quite close but never 999. My only debt is my credit card balance which Experian always get wrong but they know I pay it off in full each month. All my utility bills are paid monthly and I'm always in credit. I have a regular income and a number of banks and investment institutions are indebted to me, so why is my score less than 999? If I stop using my credit card and had no debts at all how would they go about rating me? How do these things work?