Structured Lists Directory

INI

Credit Score Ranges - INI

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 
[item.us-fico-score]
code=US-FICO
slug=us-fico-score
name=US FICO Score
description=The most widely used credit scoring system in the United States.
categories=[{"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"}]
country=United States
scoreRange_max=850
scoreRange_min=300

[item.uk-experian-score]
code=UK-EXP
slug=uk-experian-score
name=UK Experian Score
description=The credit score from Experian, the UK's largest credit reference agency.
categories=[{"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"}]
country=United Kingdom
scoreRange_max=1250
scoreRange_min=0

[item.uk-equifax-score]
code=UK-EQF
slug=uk-equifax-score
name=UK Equifax Score
description=The credit score from Equifax, a major UK credit reference agency.
categories=[{"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"}]
country=United Kingdom
scoreRange_max=1000
scoreRange_min=0

[item.uk-transunion-score]
code=UK-TRU
slug=uk-transunion-score
name=UK TransUnion Score
description=The credit score from TransUnion (formerly Callcredit), a UK credit reference agency.
categories=[{"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"}]
country=United Kingdom
scoreRange_max=710
scoreRange_min=0

[item.japan-cic-credit-guidance]
code=JP-CIC
slug=japan-cic-credit-guidance
name=Japan CIC Credit Guidance
description=A scoring service launched by Japan's credit bureau CIC in November 2024.
categories=[{"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"}]
country=Japan
scoreRange_max=850
scoreRange_min=300

[item.china-sesame-credit]
code=CN-SESAME
slug=china-sesame-credit
name=China Sesame Credit
description=A personal credit score in China operated by Ant Group under Alibaba.
categories=[{"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"}]
country=China
scoreRange_max=950
scoreRange_min=350