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CREDIT SCORE

WHAT’S A CREDIT SCORE?

Credit scores enable lenders to distil down the complex contents of a credit report into a number representing the chance of default on a credit agreement.

The higher the score, the less chance of default, so people with high credit scores get better choice and cheaper credit. There’s no universal scorecard – you can’t compare credit scores from different sources. Our scores run the full range of 0-1000, bad to good, the average is 750. Your credit score is a good overall measure of your credit standing. It can be used to find cheaper credit.

VIEW YOUR SCORES BASED ON YOUR CREDIT REPORT
What Is a Credit Score
Credit Scores

CREDIT REPORT BASED CREDIT SCORES

Our credit reports include two credit scores. The first is calculated on the full contents of your credit report, including your 6 year credit history. It’s a measure of how you look when you apply for a credit card, loan or mortgage – based on the same data that lenders see.

The second score is based only upon the public information part of your credit report – Electoral Roll, insolvency and court information – so is a measure of your credit standing when a landlord or employer checks you out – as they can only see this part of your report.

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FREE CREDIT SCORE CALCULATOR

Credit scores can also be calculated from the answers you provide to credit application forms before your file is searched, these are called ‘application scores’. To find yours, click the link below and complete the form.

You can compare your application score to the credit report based credit scores that we provide free with your credit reports. Application scores aren’t quite as powerful as the credit scores calculated from credit reports, but tests have shown that they are still better at predicting bad debt than humans are.

CALCULATE YOUR FREE CREDIT SCORE NOW
Score Calculator

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YOUR CREDIT SCORES FOR FREE

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