Check my credit score > What does a score of 893 on ClearScore mean?

What does a score of 893 on ClearScore mean?

Wollit Team4 minutes read · Updated 24th April 2025

Having a score of 893 on ClearScore puts you in the very highest credit score band. They call this range “Excellent”.

One thing you should keep in mind: your ClearScore credit score actually comes from Equifax, UK’s second largest credit reference agency. Equifax is one of the three main credit reference agencies, alongside Experian and TransUnion.

Each agency calculates your credit score using different methods, which explains why you’ll often see a different credit score on Experian than on ClearScore, for example. This doesn’t mean that one credit score is more accurate or better – different lenders rely on different credit agencies, so you should probably keep an eye on all of them.

Another part that is important to understand is that these credit agencies split their scores into different bands to help you understand how lenders see you.

An “Excellent“ credit score is the highest possible rating that you can get with Equifax, which you can see on ClearScore. Your credit score is in this band if it’s between 811 and 1000. Experian and TransUnion have a similar band, also called “Excellent”.

Is a 893 ClearScore rating good?

With ClearScore, an “Excellent“ credit score tells lenders that you are reliable and trustworthy. To get into this credit score band, you’ll need to show:

• At least a few years of credit history, with no missed or late payments;
• No history of bankruptcy, default, or CCJ in the past six years;
• Low credit utilisation – you don’t live on debt;
• Easy to verify identity – you’re registered to vote and don’t change addresses often.

In short, if you’re in this credit score band, lenders know that you’re a reliable, low-risk borrower who knows how to handle debt.

This obviously comes with some great benefits:

• Expect to pass most credit checks – these shouldn’t be a problem for you.
• You’ll usually be offered the lowest APR on loans, credit cards, and even mortgages. This can add up to quite a bit in savings.
• You should also receive higher credit card limits, keeping you safe in the event of an unexpected emergency.
• Letting agencies will have confidence in renting out to you since they know that you pay bills on time.

This doesn’t mean that you should get complacent. You should take all steps necessary to keep your credit score in this band. Dropping to the next credit ClearScore band, called “Very Good”, could mean as much as £50,000 in additional interest on a mortgage of £400,000.

How can I keep my credit score in the Excellent band?

If you’re lucky to have an “Excellent” credit score, then your main focus should be to avoid slip-ups so that your credit score stays this way.

Here are a few tips:

• Avoid having any missed or late payments. Use Direct Debit wherever possible, or a banking app with “upcoming payment” reminders. Make the most of your credit score and arrange overdrafts with your bank just to make sure that every bill gets paid on time.
• Register to vote at your current address and update your registration every time you change addresses. In many cases this is the one thing keeping people from having an Excellent score in the first place.
• And make sure you keep making payments on credit agreements so that your credit history has no gaps.

Luckily, there are now apps that can help you maintain your “Excellent” credit score. One such app is Wollit.

Wollit keeps your credit in great shape by reporting your monthly subscription as loan repayment to all three main credit reference agencies, including Equifax – which is where ClearScore gets its data from. This helps you maintain your credit history, which is the main factor that matters for your credit score.

On top of this, Wollit can also add your monthly rent payments to your credit file. While you won’t see this in your ClearScore account (Wollit reports rent to Experian), it can still make a real difference. This is because it can show lenders that you pay all bills on time and you’re indeed as responsible as your credit score says.