Excellent You are a home owner You have been on the electoral roll for a long period of time You have current credit arrangements and mortgage with no defaults You have no CCJs, credit arrears or missed payments You rarely apply for credit You are employed or self-employed
Good You are on the electoral roll You are a home owner or long standing-tenant You have a stable employment history You have current credit arrangements with occasional missed payments You have no CCJs
Fair You are or have recently been on the electoral roll You may have recently changed address You may have occasional missed payments You may have an old CCJ You may have regularly applied for credit
Poor You may have had frequent changes in address You may not be traceable on the voters roll You may have exceeded credit card limits You may have missed payments on current agreements You may have had a CCJ in the past
Bad You may not be traceable on the voters roll Your credit cards are over their limits You have recent CCJs You may have been refused credit elsewhere You may be in a debt management plan