Excellent

• You are a home owner
• You have been on the electoral role 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 role
• 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 role
• 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