It depends on the credit agency. There are three main credit reference agencies (CRAs): Experian, Equifax and Callcredit. Whenever you apply for credit, the lender will check your financial history with one or all of these agencies. None of the CRAs hold exactly the same information about you and they all use different scoring methods.
For example, Experian uses a scale between 0 and 999, with anything over 961 being ‘excellent’. Anything below 720 is ‘poor’ or ‘very poor’.
Equifax uses a similar system, ranging from 0 to 900, but anything over 467 is considered ‘excellent’ and under 366 is either ‘poor’ or ‘very poor’.
Callcredit uses a credit-rating system that goes from level one through to level five, with five being the highest.