People with excellent credit have usually been at the same address for a long period of time and are registered on the electoral roll. You will have a perfect & long standing credit history showing loan, credit card and mortgage repayments & have no CCJs, defaults or missed payments. You will rarely apply for credit.

People with good credit have usually been at the same address for a long time and are registered on the electoral roll. You are most likely a homeowner or a long term tenant with a stable employment history. You'll most likely have a long standing credit history with a mortgage, loan and credit cards with very few missed payments.

You may have had recent changes in address & an irregular electoral roll record. You may have recently changed job and you may have high levels of debt compared to your income. Credit applications made frequently. You may have occasional missed payments or go over your credit limit(s). You could also have some old CCJs or defaults.

Unstable / erratic address history (not on electoral roll). Recent periods of self-employment or unemployment. Over committed on loans/cards. Current late payments on file, Defaults or CCJ's. In an IVA, DM Plan or Bankruptcy.