People with excellent credit have usually been at the same address for a long period of time and are registered on the electoral roll.
People with good credit have usually been at the same address for a long time and are registered on the electoral roll. People with poor credit may have had frequent changes of address that are not recorded 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 may have recently changed job and you may have high levels of debt compared to your income.
You'll most likely have a long standing credit history with a mortgage, loan and credit cards with very few missed payments.





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