Graduation Score

A bureau score for individual lending to group loan customers

Product Overview

The Equifax Graduation Score is a credit score that has been developed for lending to individuals that have primarily taken group loans in the past. It combines the bureau data from group loans and individual loans to provide a comprehensive credit score for the individual.


The Graduation score comes with the Equifax Combined Credit Information Report, which provides a complete view of all the trade lines of the customer across group loans and individual loans, including retail loans.

  • Improved risk assessment
  • Reduced time taken for approvals
  • Combined credit report that includes group loan and individual loan trade lines, including retail loan trade lines