The Experian Credit Score runs from 0-999 and is an indication of how a lender would see you based on the information provided in your Experian Credit Report. The higher your score, the greater chance you have of getting the best credit deals.
961 - 999
You should get the best credit cards, loans and mortgages (but there are no guarantees).
881 - 960
You should get most credit cards, loans and mortgages but the very best deals may reject you.
721 - 880
You might get OK interest rates but your credit limits may not be very high.
561 - 720
You might be accepted for credit cards, loans and mortgages but they may have higher interest rates.
0 - 560
You’re more likely to be rejected for most credit cards, loans and mortgages that are available.
There are many things that affect your score and once you’ve signed up you’ll receive personalised tips on how to manage and improve it. We’ll highlight any positive or negative factors affecting your score, so you can quickly and easily see what is helping and what might be holding you back.
We'll also give you tips to help you raise your score – from simple things like checking all your details are correct and registering to vote, to staying within your credit limits and making no more than two credit applications every 6 months.
Monitoring your score regularly can help you spot when changes on your credit report have had an effect on your creditworthiness.
Credit scores change along with your circumstances. As a higher score is usually seen as lower risk, it pays to make sure you have the highest credit score possible.
Remember, that checking your Experian Credit Report will not lower your score.
Experian CreditExpert provides more than just your score, it includes: