ClearScore Fair credit score range
Scores from 439 to 530 on the ClearScore scale (0–1000).
ClearScore uses data from Equifax, so this range matches the Equifax scale.
Where Fair sits on the scale
5 ranges totalScore range
439–530
Full scale
0–1000
What this range means
A mid-range position. Approval is possible but rates can be higher.
Lenders review your full credit report and affordability before approving credit. Treat this range as a useful signal rather than a guarantee.
- Some mainstream lenders may approve you, others may not.
- Interest rates are often above the best available deals.
- Building positive history can move you into a stronger range.
Strengthen your profile
Practical steps that tend to move the needle:
- Pay every bill on time and set up Direct Debits where possible.
- Keep credit utilisation low by using a smaller portion of your limits.
- Check your credit report for errors and dispute inaccuracies.
- Avoid multiple new applications in a short period.
- Make sure you are registered to vote at your current address.
What influences your range
These factors carry the most weight:
- Payment history and any missed or late payments.
- How much of your available credit you are using.
- Recent credit applications and hard searches.
- Length and stability of your credit history.
- Whether your address and identity data are consistent.
Useful resources
If you are applying soon
Small changes can help right before an application:
- Pause new applications for a few weeks if possible.
- Keep card balances below a quarter of your limits.
- Avoid missed payments in the 60–90 days before applying.
- Check affordability before you apply for larger products.
Mistakes to avoid
Common reasons ranges stall or drop:
- Applying for multiple products at once.
- Closing old, well-managed accounts without a reason.
- Letting small bills fall into arrears.
- Ignoring errors on your credit report.
Check your exact score
Enter your score to get a personalised explanation.
Frequently asked questions
What is the Fair range on ClearScore?
The Fair range on ClearScore runs from 439 to 530 on a scale of 0–1000.
Is 439–530 a good ClearScore score?
A mid-range position. Approval is possible but rates can be higher.
Does ClearScore use Equifax data?
Yes. ClearScore uses Equifax data, so this Fair range matches the Equifax scale.
How can I move up to a better range?
Pay on time, keep credit utilisation low, avoid multiple applications in a short period, and check your report for errors.
Will checking my score lower it?
No. Checking your own score is a soft search and does not affect your credit rating.
Eligibility depends on the lender and your full credit profile. These ranges are guidance only.
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