Credit scores on Getloaded are provided by TransCredit, a well-known credit reporting service. The breakdown of the scores is as follows: Too new to rate: 0 High risk: 1-39 Increased risk: 40-59 Moderate risk: 60- 79 Lowest risk: 80-100 The major factors used in determining a company's credit score are the number of years in business, the company's credit references, credit history, and their average payment trend in days. Please contact TransCredit at 800-215-8448 for a copy of any credit report. Credit scores on Getloaded are updated every 24 hours.