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Use your credit score and Finder’s ‘chance of approval’ rating to understand your likelihood of getting accepted for a credit product like a loan or credit card.
This can help you protect your credit score by avoiding applications for products you might not be eligible for.
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Using our free credit score product can help:
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What is a credit score?
Your credit score is a number that represents how creditworthy you are – it demonstrates your reputation as a borrower. The higher the score, the more creditworthy you appear.
The higher the better when it comes to credit scores and, based on the scoring system you’ll receive through Finder, above 670 is a very good score and above 810 is considered excellent.
What financial products may require a good credit score?
Mortgages
The higher your credit score, the easier it is to get approved for a mortgage at a competitive rate.
Personal loans
Lenders will look at your credit score (along with other factors) and a lower score may make it hard to get approved.
Credit cards
Some credit card applications may require a good credit score, especially if you want a higher credit limit.
What’s the difference between a credit score, a credit rating and a credit report?
Your credit report or history is a detailed record of your borrowing history, with information such as the loans you have held and applied for. It also includes personal information such as your name and address.
Your credit score is a number that is calculated using the information on your credit report. Your score determines your credit rating which could be “very poor”, “poor”, “fair”, “good” or “excellent”.
When deciding whether to take you on as a customer, lenders will usually look at your more recent financial history to determine their decision. However, your financial decisions, both good and bad, will remain on record for up to six years.
There is no single, definitive credit score for an individual. Each credit reference agency (CRA) uses a different scale. Lenders will normally check with one or more of these agencies when assessing your application for credit. These are the scoring ranges employed by the main UK CRAs (the higher the number, the better the score).
Experian: 0 – 999
Equifax: 0 – 1,000 (formerly 0 – 700)
TransUnion (formerly Callcredit): 0 – 710
Depending on your score, you’re said to have excellent, good, fair, poor or very poor credit:
| Agency | Score | Rating |
|---|---|---|
| Experian | 0 – 560 561 – 720 721 – 880 881 – 960 961 – 999 | Very poor Poor Fair Good Excellent |
| Equifax | 0 – 438 439 – 530 531 – 670 671 – 810 811 – 1,000 | Poor Fair Good Very good Excellent |
| TransUnion (formerly Callcredit) | 0 – 550 551 – 565 566 – 603 604 – 627 628 – 710 | 1: Very poor 2: Poor 3: Fair 4: Good 5: Excellent |
Having a decent credit score will make it easier to get approved for credit cards and is also likely to affect the credit limit and interest rate that you’re offered by lenders.
More credit score content
What affects your credit score?
Understanding what affects your credit score – and what doesn’t – can help you keep your credit score in top shape.
10 ways to improve or rebuild your credit score
The 10 best methods for getting your credit rating in top shape and boosting your credit score.
999 credit score but refused a loan?
Find out what you can do if you’ve been refused a loan despite having a top-notch credit score.
Does switching banks affect your credit score?
Switching banks usually involves a credit check with a small negative impact on your credit score.
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