Credit ratings explained
Excellent
- You are a home owner
 - You have been on the electoral roll for a long period of time
 - You have current credit arrangements and mortgage with no defaults
 - You have no CCJs, credit arrears or missed payments
 - You rarely apply for credit
 - You are employed or self-employed
 
Good
- You are on the electoral roll
 - You are a home owner or long standing-tenant
 - You have a stable employment history
 - You have current credit arrangements with occasional missed payments
 - You have no CCJs
 
Fair
- You are or have recently been on the electoral roll
 - You may have recently changed address
 - You may have occasional missed payments
 - You may have an old CCJ
 - You may have regularly applied for credit