Application Score

What is an application score?

Application Scores are a type of credit score used by lenders to decide which applicants are to be accepted, based purely on the information given in the credit application form.

Your score is based on the following information, which must be submitted with the application:

  • Full name
  • Address
  • Phone number
  • Length of time at address
  • Date of birth
  • Marital status
  • Occupation
  • Name and address of employer
  • Length of employment
  • Monthly income
  • Current credit obligations
  • Bank name and address
  • Sort code
  • Account number
  • Account name
  • Amount of credit required

Although an Application Score does not take into account any information from the applicant’s credit report, numerous studies have shown that the system is surprisingly good at picking out the best (most creditworthy) applicants and indeed, much more efficiently than if a trained credit underwriter looks at the application and makes a lending decision on a subjective basis.

Application Scores were widely used prior to the evolution of modern credit reports, and are still used by some lenders to reject the ‘worst’ of applications prior to purchasing credit reports from the Credit Reference Agencies. This helps reduce otherwise unproductive costs in credit assessment.

Just like the credit scores calculated on credit reports, and like geodemographic scores, they are based on the concept that the past is a guide to the future. The answers given on a large batch of previous application forms are analysed to see which ones predict defaults . The answers given on any application form can then be analysed to see what the chances are of paying on time or defaulting.


Q: Is my application score the same as my credit score?

A: No, but both your application score and your credit score predict the likelihood of you defaulting on a payment.

Q: Will I be shown my application score?

A: It is unlikely you will see your score after your information has been assessed, as this is for the lender’s use only. Similarly, you will not find out what the required score to be accepted for credit is either.

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