{"id":487230,"date":"2023-06-26T11:52:40","date_gmt":"2023-06-26T10:52:40","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=487230"},"modified":"2025-10-28T16:27:29","modified_gmt":"2025-10-28T16:27:29","slug":"credit-score-statistics","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/credit-score-statistics","title":{"rendered":"What is the average credit score in the UK?"},"content":{"rendered":"

Lenders will look at your credit history if you\u2019re looking to get a credit card<\/a> or take out a personal loan<\/a>. Your credit score is a number that represents how creditworthy you are, but what is the average credit score? <\/p>

Credit score statistics: Highlights<\/h3>
  • The average credit score in the UK is 644 on the Equifax scale.<\/li>
  • More than 1 in 4 Brits (27.2%) fall into the excellent credit score band.<\/li>
  • 1 in 5 people in the UK (19.8%) have a poor credit score.<\/li>
  • An estimated 1 in 10 Brits are credit invisible, meaning they have no credit history \u2013 around 5.6 million people.<\/li>
  • 5% of Brits have admitted to hiding credit score problems from their partner.<\/li><\/ul><\/div><\/article>

    What is the average credit score in the UK?<\/h3>

    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. <\/p>

    The averages and figures used in this article are based on Equifax data.<\/p>\n\n \n\n\n