What is the average credit score in the UK?

We look at the average credit scores in the UK, including by age and by area.

Lenders will look at your credit history when deciding whether to take you on as a customer. Your credit score is a number that represents how creditworthy you are, and it tells you whether you need to work on building a good credit history. But what is the average credit score in the UK?

Credit score statistics

  • The average credit score in the UK is 644 on the Equifax scale.
  • An estimated 1 in 10 Brits are credit invisible, around 5.6 million people.
  • Just under 1 in 5 people (19.8%) have a poor credit score.
  • More than 1 in 4 (27.2%) fall into the excellent credit score band.
  • A good credit score needs to be at least 531.
  • The average credit score is lowest in Northern Ireland and highest in the South East, with scores of 603 and 680, respectively.
  • Those aged 65 and over are the only age group with an excellent rating on average, with a score of 839.

What is the average credit score in the UK?

The average credit score in the UK is 644 according to Equifax. The average credit score varies depending on age group and location within the UK. It is also important to note that scores will be different depending on the credit reference agency used.

The averages and figures used in this article are based on Equifax data.

To find out how you compare to the average, you can check your credit score for free with Finder.

What is a good credit score?

Credit scores are divided into different bands to help people in the UK better understand their position and rating when it comes to their credit history and how likely they are to be accepted by a lender. There is no such thing as a universal credit score in the UK as there are different credit scoring agencies.

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