Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
When checking your credit score, it’s useful to know what ‘good’ looks like.
The scale used by each credit reference agency varies, but as a general rule, the higher your credit score is, the better your chances are of being accepted when you apply for credit.
Having a good credit score isn’t a guarantee you’ll be accepted – lenders and service providers look at other factors including affordability and any past account history – but it can give you a quick idea about your financial position at any moment in time.
Below are examples from the credit reference agencies Halifax work with:
Excellent |
Very good |
Good |
Poor |
Very poor |
---|---|---|---|---|
Excellent961 - 999 |
Very good881 - 960 |
Good721 - 880 |
Poor561 - 720 |
Very poor0 - 560 |
Excellent |
Very good |
Good |
Poor |
Very poor |
---|---|---|---|---|
Excellent811 - 1000 |
Very good671 - 810 |
Good531 - 670 |
Poor439 - 530 |
Very poor0 - 438 |
Excellent |
Good |
Ok |
Needs some work |
Needs work |
---|---|---|---|---|
Excellent628 - 710 |
Good604 - 627 |
Ok586 - 603 |
Needs some work551 - 585 |
Needs work0 - 550 |
There are a number of things you can do, which might improve your credit score over time:
More on how to improve your credit score
Things which could improve your credit score, can also damage it if you don’t do them consistently:
Having a good credit score could help you to get lower interest rates and higher credit limits.