Credit scoring

This is the example of criteria which can be used for credit scoring:
It can be seen that the older you are, the better credit score.
Marriage person has higher credit score than single
If you have children your credit score also increase.
Time with employer can prove your stable of finance

Age (years)
Marital Status	Single                 Married                 Living with a partner                 Widowed                 Divorced / Separated
Children	Yes                 No
Residential Status	House Owner                  Flat Owner                  Living with Parents                  Council Tenant                  Tenant Unfurnished                  Other
Post Code (first 2 letters )
Time at address (years)
Are you on the electoral register?	Yes                 No
Home landline	Yes                   No
Annual Gross Income (Including benefits)
Time with employer	Unemployed                  Less than 6 months                  7 months to 1 year                  1 to 2 years                  2 to 5 years                  Over 5 years                  Retired                  Other
Time with your bank	Less than 6 months                  7 months to 1 year                  1 to 2 years                  2 to 5 years                  5 to 10 years                  Over 10 years
How many Credit Cards ?
What is your total estimated available credit limit (on all cards and loans - excluding mortgages)?
What is your total estimated outstanding debt (on your credit cards & Loans - excluding mortgage)
Current / cheque account	Yes                 No
County Court Judgement (last 6 yrs)	Yes                 No
Credit Account(s) conduct	I never miss a payment                 I sometimes pay late but never miss a payment                 I miss the occasional payment                 I am or have been in arrears with at least 1 lender                 I regularly miss payments on several accounts                 I don't have any credit accounts

There are a lot of website you can estimate your credit rate such as

http://www.moneyforums.co.uk/credit_score_calculator.php