[eluser]dchuk[/eluser]
well, the way I would do it is for each user level, store a minimum score and a maximum score (like 1-99, 100-199, etc. Then, load up the current user's score (that doesn't need to be a separate table in my opinion, unless you're saving each individual reason why they earned points and then totaling it. If you just need a running tally, save it in a column in the users table).
run a query like this to get the current user's level:
$this->db->where('max_score >', $user_score);
$this->db->where('min_score <', $user_score);
$query = $this->db->get('scores_table');