Understand your Credably score

Your Credably score runs from 0 to 1000. You can see it on your dashboard along with your credit limit and what affects it.

Score bands

• Building (0–549): where every new customer starts — keep payments on time to build history.
• Fair (550–649): you've got some history — keep going to unlock better terms.
• Good (650–749): eligible for most installment plans at partner stores.
• Very Good (750–849): a strong history, with higher limits and longer plans.
• Credably (850–1000): the top band, earned through consistent repayments.

What affects your score

• Payment history (top weight): whether you've paid past installments on time. This is the biggest factor.
• Amounts owed (top weight): how much of your income already goes to other debts.
• Length of credit history (major): how long you've had credit.
• Credit mix and new credit (minor): the kinds of credit you have and how recently you applied, including how recently your identity was verified.

How to improve it

• Pay every installment on time.
• Pay down other loans where you can.
• Keep your identity verification up to date.