I've been able to study a number of SARN's from various banks and finance companies.(posted 7934 days ago)A number of these show the credit score, but without a base line of what a pass is, and if a pass score is in fact up or down, this does not mean very much. Every banks systems is different, one bank might have a pass score of 3,000 while another has different systems and a pass mark of 480.
This also makes it difficult to quantify a pass credit score from one bank with another.
Only one company shows what the pass number or target is in the SARN, and the data subject was declined credit because they had a CIFAS marker against them, this resulted in a score which was slightly lower than the target.
You can of course always ask the data controller what the pass score is?
Good Luck.