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Overview

Credit Score Ranges

Credit score ranges define different evaluation systems and score bands by country. In the United States, the FICO score (300-850) is predominant. In the UK, three agencies—Experian, Equifax, and TransUnion—use different ranges for evaluation. Japan traditionally did not have numerical credit scores, but in November 2024, CIC launched the Credit Guidance service, introducing three-digit score displays. These scores are used as important criteria for loan approvals and credit card issuance.

credit score credit rating FICO loan approval credit evaluation
code slug name description categories country scoreRange_max scoreRange_min
US-FICO us-fico-score US FICO Score The most widely used credit scoring system in the United States. [{"rating":"Exceptional","range":"800-850","description":"Exceptional"},{"rating":"Very Good","range":"740-799","description":"Very Good"},{"rating":"Good","range":"670-739","description":"Good"},{"rating":"Fair","range":"580-669","description":"Fair"},{"rating":"Poor","range":"300-579","description":"Poor"}] United States 850 300
UK-EXP uk-experian-score UK Experian Score The credit score from Experian, the UK's largest credit reference agency. [{"rating":"Excellent","range":"1001-1250","description":"Excellent"},{"rating":"Good","range":"881-960","description":"Good"},{"rating":"Fair","range":"721-880","description":"Fair"},{"rating":"Poor","range":"561-720","description":"Poor"},{"rating":"Very Poor","range":"0-560","description":"Very Poor"}] United Kingdom 1250 0
UK-EQF uk-equifax-score UK Equifax Score The credit score from Equifax, a major UK credit reference agency. [{"rating":"Excellent","range":"701-1000","description":"Excellent"},{"rating":"Very Good","range":"466-700","description":"Very Good"},{"rating":"Good","range":"420-465","description":"Good"},{"rating":"Fair","range":"380-419","description":"Fair"},{"rating":"Poor","range":"280-379","description":"Poor"},{"rating":"Very Poor","range":"0-279","description":"Very Poor"}] United Kingdom 1000 0
UK-TRU uk-transunion-score UK TransUnion Score The credit score from TransUnion (formerly Callcredit), a UK credit reference agency. [{"rating":"Excellent","range":"628-710","description":"Excellent"},{"rating":"Good","range":"604-627","description":"Good"},{"rating":"Fair","range":"566-603","description":"Fair"},{"rating":"Poor","range":"551-565","description":"Poor"},{"rating":"Very Poor","range":"0-550","description":"Very Poor"}] United Kingdom 710 0
JP-CIC japan-cic-credit-guidance Japan CIC Credit Guidance A scoring service launched by Japan's credit bureau CIC in November 2024. [{"rating":"Excellent","range":"750-850","description":"Excellent"},{"rating":"Good","range":"670-749","description":"Good"},{"rating":"Fair","range":"580-669","description":"Fair"},{"rating":"Poor","range":"300-579","description":"Poor"}] Japan 850 300
CN-SESAME china-sesame-credit China Sesame Credit A personal credit score in China operated by Ant Group under Alibaba. [{"rating":"Excellent","range":"750-950","description":"Excellent"},{"rating":"Good","range":"650-749","description":"Good"},{"rating":"Fair","range":"550-649","description":"Fair"},{"rating":"Poor","range":"350-549","description":"Poor"}] China 950 350

A list of credit score evaluation systems and score ranges by country.