> For the complete documentation index, see [llms.txt](https://docs.credprotocol.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.credprotocol.com/score-distribution.md).

# Score distribution

Cred's score is informed by, and incorporates "probability of default" but it is not a direct probability.  Rather it reflects the distribution of "probaliity of default" across the population of accounts.  An Excellent Cred Score means a lower probability of loan default relative to others, whereas a Low Cred Score implies a higher probability of loan default relative to others.

| Rating    | Percentage of population | Approximate score ranges |
| --------- | ------------------------ | ------------------------ |
| Excellent | 27%                      | -1000                    |
| Very good | 20%                      |                          |
| Good      | 34%                      |                          |
| Fair      | 12%                      |                          |
| Low       | 7%                       | 300-                     |