Your MSE Credit Eligibility Rating is calculated by Qualifi Solutions Ltd, in partnership with MSE. Qualifi has worked closely with lenders to learn details of the types of customer they're looking for to lend to for credit cards and loans.

Qualifi looks at details of your credit report(s) as well as the information you've given us (eg income) to see how well you match lenders' criteria for a range of cards and loans.

If you're a good match for a particular lender's criteria, you'll get a high credit eligibility score for their products. Similarly, if you've none of the attributes a lender is looking for, you'll get a low or zero score, as lenders would be interested in lending to you.