A+ EXCELLENT CREDIT = I have always payed my bills and never missed a payment.

A GOOD CREDIT = I have always payed my bills and never been 30 days late.

B FAIR CREDIT =  I have always payed my bills, but like most people I have had a couple bumps.

C NO CREDIT = I have never had credit in my name or have never had a car loan.

D POOR CREDIT = I have had some bumps in the road and I'm trying to rebuild.

E TERRIBLE CREDIT = Bad things happen to good people and I'm just looking for help.