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Your Credit Score

What is a Credit Score?

Your credit score gives lenders an indication of the chances that you will repay the money that they lend you, promptly and reliably. Lenders do this by taking the information on your credit rating report and application form, and allocating each item a value. The total is called a credit score.

The higher the credit score, the more likely it is that you will be a good customer and repay your agreement on time, and therefore, the more likely they are to make you a credit offer.

The higher you credit score, the better interest rates you qualify for. Generally, a higher score means you will find it easier to borrow money on favourable terms.

Credit Score Categories

Category	Score	Description
EXCELLENT	961 - 999	Most lenders regard this credit score as very low risk, expecting few people with this credit rating to experience problems with repaying credit.
GOOD	881 - 960	Most lenders regard this credit score as low risk, expecting few people with this credit rating to experience problems with repaying credit.
FAIR	721 - 880	Most lenders, regard this credit score as moderate risk, expecting only a small proportion of people with this credit rating to experience problems repaying credit.
LOW	561 - 720	Most lenders regard this credit score as high risk, expecting a high proportion of people with this credit rating to have serious problems with repaying credit.
VERY LOW	0 - 560	Most lenders, regard this credit score as very high risk, expecting most people with this credit rating to have serious problems with repaying credit.