PHGame Changer
Established
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Credit Score Range and Tier/Risk Category
1.) 150 is Ex01)Unscored / Insufficient
DataBlank Slate. Walang sapat na history. Hindi ka "bagsak", sadyang kulang lang sa datos para sukatin.
2.) 300 - 599 is Poor / High Risk
High Risk (Delinquent/Bad Credit). Dito nabibilang ang may mga tunay na hindi nabayarang utang, cancelled cards, o paulit-ulit na late payments. High rejection rate.
3.) 600 - 649 is for Fair / Below Average
Moderate-High Risk. Nagsisimulang umayos o bagong nagbu-build pa lang. Approved sa maliliit na limits o starter loans pero may mas mataas na interes.
4.) 650 - 699 is for Good/Average
Moderate Risk. Magandang status. Approve na sa karamihan ng regular credit cards at fintech loans (SPayLater, Atome) nang may katamtamang limit.
5.) 700 - 759 is for Very Good/Low Risk
Prime Borrower. High approval rate sa unsecured credit cards, housing/car loans, at malalaking seller loans. Qualified sa mas mababang interest rates.
6.) 760 - 850 is for Excellent/Max Good
Top Tier / VIP Borrower. Maximum credit standing. Mismong mga bangko ang nag-a-alok ng pre-approved credit lines at ₱100k+ to ₱1M+ limits.
You do not have permission to view the full content of this post. Log in or register now.
Credit Score Range and Tier/Risk Category
1.) 150 is Ex01)Unscored / Insufficient
DataBlank Slate. Walang sapat na history. Hindi ka "bagsak", sadyang kulang lang sa datos para sukatin.2.) 300 - 599 is Poor / High Risk
High Risk (Delinquent/Bad Credit). Dito nabibilang ang may mga tunay na hindi nabayarang utang, cancelled cards, o paulit-ulit na late payments. High rejection rate.3.) 600 - 649 is for Fair / Below Average
Moderate-High Risk. Nagsisimulang umayos o bagong nagbu-build pa lang. Approved sa maliliit na limits o starter loans pero may mas mataas na interes.4.) 650 - 699 is for Good/Average
Moderate Risk. Magandang status. Approve na sa karamihan ng regular credit cards at fintech loans (SPayLater, Atome) nang may katamtamang limit.5.) 700 - 759 is for Very Good/Low Risk
Prime Borrower. High approval rate sa unsecured credit cards, housing/car loans, at malalaking seller loans. Qualified sa mas mababang interest rates.6.) 760 - 850 is for Excellent/Max Good
Top Tier / VIP Borrower. Maximum credit standing. Mismong mga bangko ang nag-a-alok ng pre-approved credit lines at ₱100k+ to ₱1M+ limits.