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.