• Same employer in recent years or long term self employed
• Same address for a long period and on the voters roll
• No missed payments in recent years
• Homeowner or tenant in desirable location
• Same bank account for quite a number of years
• Good credit history payment profile including credit cards loans etc.

Check loan criteria for good credit 

• May have changed employer a few times in recent years
• May have been self employed for a few years or less
• Frequently applied for credit
• May carry a fairly high level of debt
• Recent changes of address incomplete electoral note profile
• Missed or late payments for credit and utilities Gas, Electric Etc.
• Old CCJs for small amounts
  
  Check loan criteria for fair credit

• Missed and late payments in recent years
• CCJs most likely recent
• Defaults, debt in recovery but no judgements
• Changes of job or address frequently
• Not on voters roll
• Self employed with no accounts
• Employed but recently unemployed
• Tenants
  
  Check loan criteria for poor credit