In mid November 2021, ClearScore has finally adopted the new 1000 Equifax credit scores. Equifax credit scoring changed in April 2021, when it switched to calculating scores out of 1000 – they used to be calculated out of 700.
At ClearScore, we show you your Experian credit score, which ranges from 0 to 705. Each credit bureau is sent information by lenders about the credit you have and how you manage it.
First of all, a 900 credit score isn't really possible. And just 1% of the population can achieve a credit score of 850, so there's a certain point where trying to get the highest possible credit score isn't realistic at all. Only a few credit score models have a credit score limit of 900 as is.
A 740 credit score is Very Good, but it can be even better. If you can elevate your score into the Exceptional range (800-850), you could become eligible for the very best lending terms, including the lowest interest rates and fees, and the most enticing credit-card rewards programs.
An 852 credit score is excellent. Before you can do anything to increase your 852 credit score, you need to identify what part of it needs to be improved, plain and simple. And in order to identify what needs to be improved, you should probably be aware of all the things that count and don't count towards your score.
Your score falls within the range of scores, from 300 to 579, considered Very Poor. A 483 FICO® Score is significantly below the average credit score.
You need a credit rating between 531 and 670 to fall into the Good Clearscore score band. Having a good credit score is beneficial as it helps you to obtain credit at better rates.
Equifax scores range from 0-700. 380-419 is considered a fair score. A score of 420-465 is considered good.
An 871 credit score is excellent. Before you can do anything to increase your 871 credit score, you need to identify what part of it needs to be improved, plain and simple.
An 867 credit score is excellent.
We provide a score from between 0-999 and consider a 'good' score to be anywhere between 881 and 960, with 'fair' or average between 721 and 880.
ClearScore takes your credit report and financial information from Experian and then uses that very information to generate its own score. While the credit scores can vary slightly depending on the credit reporting agency, the same rule follows for all scores – The higher the better.
An 858 credit score is excellent. Before you can do anything to increase your 858 credit score, you need to identify what part of it needs to be improved, plain and simple. And in order to identify what needs to be improved, you should probably be aware of all the things that count and don't count towards your score.
Our Triple Lock guarantee gives you the key to credit confidence. Triple Lock uses your credit report and linked accounts to guarantee the credit limit and interest rate of credit cards or loans before you apply – we'll even tell you if you're pre-approved.
A 470 credit score is a poor credit score. It makes it very difficult to qualify for credit or even apply for an apartment but it can absolutely be improved.
Your score falls within the range of scores, from 300 to 579, considered Very Poor. A 510 FICO® Score is significantly below the average credit score.
Your 822 FICO® Score is nearly perfect and will be seen as a sign of near-flawless credit management. Your likelihood of defaulting on your bills will be considered extremely low, and you can expect lenders to offer you their best deals, including the lowest-available interest rates.
To get a 999 credit score, you ideally need to have a credit history that spans several years. During this time, you should have never missed a credit repayment and have always paid your debt back on time. Your credit utilisation ratio also needs to be low.
With Equifax, scores generally run from 300 to 700 with anything over 420 considered good. Our Credit Monitor service uses credit information from TransUnion, where scores range from 0 to 710 and a very good score would be anything from 604 and above.
Your score falls within the range of scores, from 580 to 669, considered Fair. A 591 FICO® Score is below the average credit score. Some lenders see consumers with scores in the Fair range as having unfavorable credit, and may decline their credit applications.
Your FICO® Score falls within a range, from 740 to 799, that may be considered Very Good. A 747 FICO® Score is above the average credit score. Borrowers with scores in the Very Good range typically qualify for lenders' better interest rates and product offers.
Yes. An Experian study found that as of 2019, 1.2% of all credit-holding Americans had a FICO score of 850. A perfect score generally requires years of exemplary financial behavior, like making on-time payments, keeping a low credit utilization ratio, and maintaining a long history of credit accounts.
An 800-plus credit score shows lenders you are an exceptional borrower. You may qualify for better mortgage and auto loan terms with a high credit score. You may also qualify for credit cards with better rewards and perks, such as access to airport lounges and free hotel breakfasts.