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Credit Score Ranges - JSON

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": "US-FICO",
    "slug": "us-fico-score",
    "name": "US FICO Score",
    "description": "The most widely used credit scoring system in the United States.",
    "country": "United States",
    "scoreRange": {
      "min": 300,
      "max": 850
    },
    "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"
      }
    ]
  },
  {
    "code": "UK-EXP",
    "slug": "uk-experian-score",
    "name": "UK Experian Score",
    "description": "The credit score from Experian, the UK's largest credit reference agency.",
    "country": "United Kingdom",
    "scoreRange": {
      "min": 0,
      "max": 1250
    },
    "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"
      }
    ]
  },
  {
    "code": "UK-EQF",
    "slug": "uk-equifax-score",
    "name": "UK Equifax Score",
    "description": "The credit score from Equifax, a major UK credit reference agency.",
    "country": "United Kingdom",
    "scoreRange": {
      "min": 0,
      "max": 1000
    },
    "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"
      }
    ]
  },
  {
    "code": "UK-TRU",
    "slug": "uk-transunion-score",
    "name": "UK TransUnion Score",
    "description": "The credit score from TransUnion (formerly Callcredit), a UK credit reference agency.",
    "country": "United Kingdom",
    "scoreRange": {
      "min": 0,
      "max": 710
    },
    "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"
      }
    ]
  },
  {
    "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.",
    "country": "Japan",
    "scoreRange": {
      "min": 300,
      "max": 850
    },
    "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"
      }
    ]
  },
  {
    "code": "CN-SESAME",
    "slug": "china-sesame-credit",
    "name": "China Sesame Credit",
    "description": "A personal credit score in China operated by Ant Group under Alibaba.",
    "country": "China",
    "scoreRange": {
      "min": 350,
      "max": 950
    },
    "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"
      }
    ]
  }
]