Credit score

Score and rating – what do the numbers mean?

4 min·Updated 15.06.2026·Reviewed by Kredittdata

Score and rating describe the same thing – credit risk – but in two ways. The score is precise, the rating is easy to communicate.

The score: 1–100

The score is a fine-grained number where higher is better. It lets you tell two companies apart when both have a “good” rating, but where one stands a little stronger than the other.

The rating: C to AAA

AAA – very low risk
AA – low risk
A – low to moderate risk
BBB–BB – moderate risk
B–C – elevated to high risk

How to use them

Use the rating for quick decisions and reporting, and the score when you want to see the development over time or compare two parties closely. Both should be fresh to be of use.

Frequently asked questions

What is the difference between credit score and rating?

They describe the same thing – credit risk – but in two ways. The score is a fine-grained number where higher is better, while the rating from C to AAA is easy to communicate.

What do the ratings from C to AAA mean?

AAA means very low risk, AA low risk, A low to moderate risk, BBB–BB moderate risk, and B–C elevated to high risk.

Should I use score or rating?

Use the rating for quick decisions and reporting, and the score when you want to see the development over time or compare two parties closely. Both should be fresh to be of use.

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