Credit score brackets: The label that controls your access to credit

0–438

Poor

It’s likely your credit application will be rejected.

439–530

Fair

You have a chance of being approved for credit but are likely to be charged a high interest rate and have a low limit.

531–670

Good

You should be offered credit at reasonable interest rates but may have a low initial credit limit.

671–810

Very good

You’re likely to be approved for credit but won’t necessarily be offered the very best interest rates.

811–1,000

Excellent

You’re very likely to be approved for competitive credit offers.

0–550

Very poor

It’s highly likely your credit application will be rejected.

551–565

Poor

You have a chance of being approved for credit but are likely to be charged a high interest rate and have a low limit.

566–603

Fair

You should be offered reasonable interest rates but are likely to have a low credit limit.

604–627

Good

You’re likely to be approved for credit but won’t necessarily have the best interest rates.

627–710

Excellent

You’re very likely to be approved for competitive credit offers.

0–560

Very poor

You’re more likely to be refused most credit cards, loans and mortgages.

561–720

Poor

You might be accepted for credit cards, loans and mortgages, but they may have higher interest rates.

721–880

Fair

You might get OK interest rates, but your credit limits may not be very high.

881–960

Good

You should get most credit cards, loans and mortgages, but you might not get the very best deals.

961–999

Excellent

You should get the best credit cards, loans and mortgages, but there are no guarantees.