Founded in Manchester, UK. Building financial futures.
Rated Excellent on Trustpilot
Founded in Manchester, UK. Building financial futures.
Rated Excellent on Trustpilot
Founded in Manchester, UK.
Rated Excellent on Trustpilot
Rated Excellent
Written by
Written by
Tom Reeves
Tom Reeves
Published date:
Published date:
February 10, 2025
February 10, 2025
What is a good credit score in the UK?
Find out what makes a good credit score in the UK and see how you compare to the national average
Find out what makes a good credit score in the UK and see how you compare to the national average
Having a good credit score is important
It’s always good to keep an eye on your credit score, but it’s even more helpful to know if it’s any good. A good credit score can help you access future credit, such as loans, credit and store cards, car finance and a mortgage, while a bad credit score could see you get turned down or charged a higher fee.
We look at what makes a good credit score in the UK, as well as the UK’s national average, so you can see where you stand and find out if you need to make any changes.
How can your credit score affect your ability to get credit?
Whenever you apply for a type of credit - such as a credit card, a loan or a mortgage - the lender needs to see that you can be trusted to pay it back. Your credit score is how they see this. It shows them how reliable you are and whether you’ve missed or defaulted on any repayments in the past.
A good credit score means you’re more likely to be approved for credit, as this shows the lender that there’s a lower risk in giving you the money.
A bad credit score means a higher risk. You could still be approved for the credit, but it may come with a much higher interest rate, costing you more money to pay it back.
Getting your credit score in order before you apply for any offers can save you money, and make it more likely that you get the deal you want.
What is the average credit score in the UK?
The average credit score varies depending on how old you are and where you live. However, according to Experian’s model, the nationwide average sits at 797 out of 999. This goes up to 883 if you live in London, or as low as 707 if you live in Blackpool. Your credit score will be based on others in your area, so if you live in the capital you’ll need to work harder for it to look good.
When you check your credit score on the Boshhh Mobile app, we’ll ask you a few questions about your age and location, helping you see how you compare to other people in your region.
Download the Boshhh Mobile app (available on iOS and Android).
What is a good UK credit score?
A good credit score changes depending on where you live and who you check it with, but we can give you some averages to help you see where you stand.
Each credit reference agency uses a different scoring system to decide on what a ‘good’ credit score looks like. For example, if you checked your credit score on Experian, a good score would be anywhere between 881 and 960, whereas Equifax would rate a score between 531 and 670 as good.
It’s important to understand the scoring system your chosen credit reference agency uses to decide whether your credit score is good or not.
When we check your credit score, we combine the results of several different credit reporting variables to give you a balanced view, as well as offering you tips and mobile plans designed to improve it.
What is a poor UK credit score?
A poor credit score is often the result of missed payments, increased debt or a lack of credit history - for example, if you’ve never used a credit card or taken out a loan. The actual figure will depend on the credit reference agency you use to check it with.
TransUnion say that a score between 561 and 565 is poor, Experian say a poor score is between 561 and 720, while Equifax would class your score as poor if it came between 0 and 438.
How can you find out what your credit score is?
You can check your credit score using a credit reference agency, such as TransUnion, Experian or Equifax. You can also find your credit score on the Boshhh Mobile app (available on iOS and Android) - all without having to sign up for a plan. It’s free to check your credit score, and doing so won’t impact your results.
It’s a good habit to regularly check your credit score, especially if you’re planning to take out more credit in the near future. This can help you form healthy credit habits and prevent any nasty surprises later down the line.
Easy habits to help build your credit score
There are a few quick ways to help your credit score grow, and once you get used to doing them, they’ll become second nature.
Add yourself to the electoral roll
Take out a credit card and set up regular repayments
Stick to your credit limits
Avoid late payments
Keep old accounts open to show a longer credit history
SIgn up to a Boshhh Mobile credit building SIM plan now - every on-time payment you make helps to boost your credit score.
Having a good credit score is important
It’s always good to keep an eye on your credit score, but it’s even more helpful to know if it’s any good. A good credit score can help you access future credit, such as loans, credit and store cards, car finance and a mortgage, while a bad credit score could see you get turned down or charged a higher fee.
We look at what makes a good credit score in the UK, as well as the UK’s national average, so you can see where you stand and find out if you need to make any changes.
How can your credit score affect your ability to get credit?
Whenever you apply for a type of credit - such as a credit card, a loan or a mortgage - the lender needs to see that you can be trusted to pay it back. Your credit score is how they see this. It shows them how reliable you are and whether you’ve missed or defaulted on any repayments in the past.
A good credit score means you’re more likely to be approved for credit, as this shows the lender that there’s a lower risk in giving you the money.
A bad credit score means a higher risk. You could still be approved for the credit, but it may come with a much higher interest rate, costing you more money to pay it back.
Getting your credit score in order before you apply for any offers can save you money, and make it more likely that you get the deal you want.
What is the average credit score in the UK?
The average credit score varies depending on how old you are and where you live. However, according to Experian’s model, the nationwide average sits at 797 out of 999. This goes up to 883 if you live in London, or as low as 707 if you live in Blackpool. Your credit score will be based on others in your area, so if you live in the capital you’ll need to work harder for it to look good.
When you check your credit score on the Boshhh Mobile app, we’ll ask you a few questions about your age and location, helping you see how you compare to other people in your region.
Download the Boshhh Mobile app (available on iOS and Android).
What is a good UK credit score?
A good credit score changes depending on where you live and who you check it with, but we can give you some averages to help you see where you stand.
Each credit reference agency uses a different scoring system to decide on what a ‘good’ credit score looks like. For example, if you checked your credit score on Experian, a good score would be anywhere between 881 and 960, whereas Equifax would rate a score between 531 and 670 as good.
It’s important to understand the scoring system your chosen credit reference agency uses to decide whether your credit score is good or not.
When we check your credit score, we combine the results of several different credit reporting variables to give you a balanced view, as well as offering you tips and mobile plans designed to improve it.
What is a poor UK credit score?
A poor credit score is often the result of missed payments, increased debt or a lack of credit history - for example, if you’ve never used a credit card or taken out a loan. The actual figure will depend on the credit reference agency you use to check it with.
TransUnion say that a score between 561 and 565 is poor, Experian say a poor score is between 561 and 720, while Equifax would class your score as poor if it came between 0 and 438.
How can you find out what your credit score is?
You can check your credit score using a credit reference agency, such as TransUnion, Experian or Equifax. You can also find your credit score on the Boshhh Mobile app (available on iOS and Android) - all without having to sign up for a plan. It’s free to check your credit score, and doing so won’t impact your results.
It’s a good habit to regularly check your credit score, especially if you’re planning to take out more credit in the near future. This can help you form healthy credit habits and prevent any nasty surprises later down the line.
Easy habits to help build your credit score
There are a few quick ways to help your credit score grow, and once you get used to doing them, they’ll become second nature.
Add yourself to the electoral roll
Take out a credit card and set up regular repayments
Stick to your credit limits
Avoid late payments
Keep old accounts open to show a longer credit history
SIgn up to a Boshhh Mobile credit building SIM plan now - every on-time payment you make helps to boost your credit score.
Having a good credit score is important
It’s always good to keep an eye on your credit score, but it’s even more helpful to know if it’s any good. A good credit score can help you access future credit, such as loans, credit and store cards, car finance and a mortgage, while a bad credit score could see you get turned down or charged a higher fee.
We look at what makes a good credit score in the UK, as well as the UK’s national average, so you can see where you stand and find out if you need to make any changes.
How can your credit score affect your ability to get credit?
Whenever you apply for a type of credit - such as a credit card, a loan or a mortgage - the lender needs to see that you can be trusted to pay it back. Your credit score is how they see this. It shows them how reliable you are and whether you’ve missed or defaulted on any repayments in the past.
A good credit score means you’re more likely to be approved for credit, as this shows the lender that there’s a lower risk in giving you the money.
A bad credit score means a higher risk. You could still be approved for the credit, but it may come with a much higher interest rate, costing you more money to pay it back.
Getting your credit score in order before you apply for any offers can save you money, and make it more likely that you get the deal you want.
What is the average credit score in the UK?
The average credit score varies depending on how old you are and where you live. However, according to Experian’s model, the nationwide average sits at 797 out of 999. This goes up to 883 if you live in London, or as low as 707 if you live in Blackpool. Your credit score will be based on others in your area, so if you live in the capital you’ll need to work harder for it to look good.
When you check your credit score on the Boshhh Mobile app, we’ll ask you a few questions about your age and location, helping you see how you compare to other people in your region.
Download the Boshhh Mobile app (available on iOS and Android).
What is a good UK credit score?
A good credit score changes depending on where you live and who you check it with, but we can give you some averages to help you see where you stand.
Each credit reference agency uses a different scoring system to decide on what a ‘good’ credit score looks like. For example, if you checked your credit score on Experian, a good score would be anywhere between 881 and 960, whereas Equifax would rate a score between 531 and 670 as good.
It’s important to understand the scoring system your chosen credit reference agency uses to decide whether your credit score is good or not.
When we check your credit score, we combine the results of several different credit reporting variables to give you a balanced view, as well as offering you tips and mobile plans designed to improve it.
What is a poor UK credit score?
A poor credit score is often the result of missed payments, increased debt or a lack of credit history - for example, if you’ve never used a credit card or taken out a loan. The actual figure will depend on the credit reference agency you use to check it with.
TransUnion say that a score between 561 and 565 is poor, Experian say a poor score is between 561 and 720, while Equifax would class your score as poor if it came between 0 and 438.
How can you find out what your credit score is?
You can check your credit score using a credit reference agency, such as TransUnion, Experian or Equifax. You can also find your credit score on the Boshhh Mobile app (available on iOS and Android) - all without having to sign up for a plan. It’s free to check your credit score, and doing so won’t impact your results.
It’s a good habit to regularly check your credit score, especially if you’re planning to take out more credit in the near future. This can help you form healthy credit habits and prevent any nasty surprises later down the line.
Easy habits to help build your credit score
There are a few quick ways to help your credit score grow, and once you get used to doing them, they’ll become second nature.
Add yourself to the electoral roll
Take out a credit card and set up regular repayments
Stick to your credit limits
Avoid late payments
Keep old accounts open to show a longer credit history
SIgn up to a Boshhh Mobile credit building SIM plan now - every on-time payment you make helps to boost your credit score.
Having a good credit score is important
It’s always good to keep an eye on your credit score, but it’s even more helpful to know if it’s any good. A good credit score can help you access future credit, such as loans, credit and store cards, car finance and a mortgage, while a bad credit score could see you get turned down or charged a higher fee.
We look at what makes a good credit score in the UK, as well as the UK’s national average, so you can see where you stand and find out if you need to make any changes.
How can your credit score affect your ability to get credit?
Whenever you apply for a type of credit - such as a credit card, a loan or a mortgage - the lender needs to see that you can be trusted to pay it back. Your credit score is how they see this. It shows them how reliable you are and whether you’ve missed or defaulted on any repayments in the past.
A good credit score means you’re more likely to be approved for credit, as this shows the lender that there’s a lower risk in giving you the money.
A bad credit score means a higher risk. You could still be approved for the credit, but it may come with a much higher interest rate, costing you more money to pay it back.
Getting your credit score in order before you apply for any offers can save you money, and make it more likely that you get the deal you want.
What is the average credit score in the UK?
The average credit score varies depending on how old you are and where you live. However, according to Experian’s model, the nationwide average sits at 797 out of 999. This goes up to 883 if you live in London, or as low as 707 if you live in Blackpool. Your credit score will be based on others in your area, so if you live in the capital you’ll need to work harder for it to look good.
When you check your credit score on the Boshhh Mobile app, we’ll ask you a few questions about your age and location, helping you see how you compare to other people in your region.
Download the Boshhh Mobile app (available on iOS and Android).
What is a good UK credit score?
A good credit score changes depending on where you live and who you check it with, but we can give you some averages to help you see where you stand.
Each credit reference agency uses a different scoring system to decide on what a ‘good’ credit score looks like. For example, if you checked your credit score on Experian, a good score would be anywhere between 881 and 960, whereas Equifax would rate a score between 531 and 670 as good.
It’s important to understand the scoring system your chosen credit reference agency uses to decide whether your credit score is good or not.
When we check your credit score, we combine the results of several different credit reporting variables to give you a balanced view, as well as offering you tips and mobile plans designed to improve it.
What is a poor UK credit score?
A poor credit score is often the result of missed payments, increased debt or a lack of credit history - for example, if you’ve never used a credit card or taken out a loan. The actual figure will depend on the credit reference agency you use to check it with.
TransUnion say that a score between 561 and 565 is poor, Experian say a poor score is between 561 and 720, while Equifax would class your score as poor if it came between 0 and 438.
How can you find out what your credit score is?
You can check your credit score using a credit reference agency, such as TransUnion, Experian or Equifax. You can also find your credit score on the Boshhh Mobile app (available on iOS and Android) - all without having to sign up for a plan. It’s free to check your credit score, and doing so won’t impact your results.
It’s a good habit to regularly check your credit score, especially if you’re planning to take out more credit in the near future. This can help you form healthy credit habits and prevent any nasty surprises later down the line.
Easy habits to help build your credit score
There are a few quick ways to help your credit score grow, and once you get used to doing them, they’ll become second nature.
Add yourself to the electoral roll
Take out a credit card and set up regular repayments
Stick to your credit limits
Avoid late payments
Keep old accounts open to show a longer credit history
SIgn up to a Boshhh Mobile credit building SIM plan now - every on-time payment you make helps to boost your credit score.
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we've already helped thousands improve their credit score, getting them closer to where they want to be. start building with us today