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Credit Score Ranges - TOML

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 
[[items]]
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

[[items]]
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

[[items]]
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

[[items]]
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

[[items]]
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

[[items]]
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