My credit score is top end 900's and I find I maintain that by ensuring that I don't have cards active with available funds that I don't intend to use. Even though you don't have any debt on the cards, it still sees it as credit available to you, so if you had say 3 cards with £30k worth of credit available across the 3 cards, that is taken account with your score - so cancel any credit cards you don't intend to use. This will also help when applying for new cards in the future.
Interesting, thanks. I'll do that as I have no intention of using any of the ones I currently have.
Also, make sure you have no credit agreements sat dormant that you have forgotten about. e.g. if you have bought a TV from Currys on the buy now pay in 6 months deal - that credit agreement will still be in place even after you have paid it off - this will also show as credit available to you and will be taken into account with your credit score.
And how do I go about removing them? I have 2 sat on my credit score with a zero balance.
900s Bernie!
that's a different scale from clearscore! they only go to to 705.
edit: oh wait, bazza is using clearview. my mistake
My mistake, it is Clearscore not the scummy advertising intelligence company. Which also means it's Equifax I need a report form, not experian as I thought.