Use this table to assess your own credit level |
Excellent | Good | Fair | Low |
| I have been resident in the UK for at least the last 3 years |  |
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| I am aged between 21 and 65 | |
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| I have obtained credit at my current address | |
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| I am on Voters role at current address | |
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| Up to date on mortgage payments | |
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| I have credit cards within limits | |
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| I have missed no credit card or loan payments within last 12 months | |
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| I have missed 1 or 2 card payments in the last 12 months | |
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| I have fallen behind on payments but I am bringing them up to date | |
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| I never exceed my overdraft limit and I am rarely overdrawn | |
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| I have had a county court judgements (CCJ's) which are satisfied | |
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| I have county court judgements that are outstanding for unpaid bills or loans | |
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| I am not on the voters roll and I have never obtained credit | |
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| I have been employed / self employed for the last 12 months, and take home a minimum of £900 per month | |
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