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Credit Rating Guide

Excellent Good Fair Poor
I have been resident in the UK for at least the last 3 years check check check check
I am aged between 21 and 65 check check check check
I have obtained credit at my current address check check check  
I am on Voters role at current address check check    
Up to date on Mortgage payments check check    
I have Credit cards within limits check check    
I have Missed no credit card or loan payments within last 12 months check      
I have missed 1 or 2 card payments in the last 12 months   check    
I have fallen behind on payments but I am bringing them up to date   check    
I never exceed my overdraft limit and I am rarely overdrawn check      
I have had a county court judgements (CCJ's) which are satisfied     check  
I have county court judgements that are outstanding for unpaid bills or loans       check
I am not on the voters roll and I have never obtained credit       check
I have been employed / self employed for the last 12 months, and take home a minimum of £900 per month check   check  

Credit Rating Explained

There are three main ways in which a lender will look at your profile to decide whether or not they will lend you money for a large purchase such as a car loan.

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