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Learn about credit scores

Average Average

510 - 621

If your credit score is between 510 and 621, your credit score range is Average. Your credit score would suggest it's likely that you will incur an adverse event such as a default, bankruptcy or court judgment in the next 12 months.

  • Pay your loans and bills on time. Use direct debits on payday. Work out payment plans with credit providers.
  • Avoid making many applications in a short period of time.
  • Review your credit report for free within 90 days if you are denied credit.
Good Good

622 – 725

Your credit score suggests it's less likely you will incur an adverse event that could harm your credit report in the next 12 months. Your odds of keeping a clean credit file over this period are better than Equifax’s average credit-active population.

  • Consolidate expensive debt into a low-interest loan with fixed repayments.
  • Check your credit score regularly to monitor where you stand.
  • Use your score to get better rates on unsecured debt.
Very Good Very Good

726 – 832

Your credit score suggests it's unlikely that you will incur an adverse event in the next 12 months that could harm your credit file. Your odds of keeping a clean credit report are 2 times better than Equifax’s average credit-active population.

  • Put your score to work and use it to negotiate a better deal on your loans.
  • Refinance and consolidate more expensive debt.
  • Get a better rate on personal credit; negotiate rewards and lower fees.
Excellent Excellent

833 - 1200

You’re in the top 20% of Equifax’s credit-active population, suggesting it’s highly unlikely that an adverse event could harm your credit file in the next 12 months. Your odds of keeping a clean file are 5 times better than Equifax’s average population.

  • Get more out of your score by negotiating better deal on your loans.
  • Seek out the best deal using your excellent credit score.
  • See if you're eligible for greater rewards, lower rates and lower fees.