Good
- Home owner or long term tenant at same address for substantial period
- Electoral roll record
- Employed by same company or self employed for long period
- Long credit history with mortgage, loans and credit cards
- Few credit applications
- Credit with a few missed payments, defaults or County Court Judgements.
Fair
- Resident at same address for substantial period
- Electoral roll record
- Employed by same company or self employed for long period
- Credit history with loans and credit cards
- Few credit applications
- Credit with a few missed payments, defaults or County Court Judgements.
Poor
- Recently moved to current address and frequent changes of address
- Recent changes to employment status
- Frequent credit applications
- High level of debt to estimated income
- Occasional late payments or credit cards exceeding limits
- Old defaults or County Court Judgements.