{"id":850,"date":"2025-05-09T08:47:20","date_gmt":"2025-05-09T08:47:20","guid":{"rendered":"https:\/\/www.drafty.co.uk\/blog\/?p=850"},"modified":"2025-12-23T11:50:32","modified_gmt":"2025-12-23T11:50:32","slug":"good-credit-score","status":"publish","type":"post","link":"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/","title":{"rendered":"What is a Good Credit Score in the UK: A Complete Guide"},"content":{"rendered":"\n<p>Are you puzzled about what makes a good credit score in the UK? Don&#8217;t worry, you&#8217;re not alone. Many people think you need a perfect credit score to borrow money. Having a credit score of 700 and above should boost your chances of getting most loans. If your score is lower, don&#8217;t panic. Your credit score can change, and there are steps you can take to improve it.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#what_is_a_credit_score\" >What is a credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#what_is_considered_a_good_credit_score_in_the_uk\" >What is considered a good credit score in the UK?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#why_a_good_credit_score_is_important\" >Why a good credit score is important?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#how_is_a_credit_score_calculated\" >How is a credit score calculated?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#1_your_payment_history\" >1. Your payment history<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#2_your_outstanding_debts\" >2. Your outstanding debts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#3_the_length_of_your_credit_history\" >3. The length of your credit history<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#4_the_types_of_credit_you_use\" >4. The types of credit you use<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#how_to_check_your_credit_score_in_the_uk_for_free\" >How to check your credit score in the UK for free<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#how_to_get_started_on_improving_your_credit_score\" >How to get started on improving your credit score<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#1_check_your_credit_report_for_errors\" >1. Check your credit report for errors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#2_make_all_your_payments_on_time\" >2. Make all your payments on time<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#3_use_a_credit_monitoring_service\" >3. Use a credit monitoring service<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#4_keep_your_credit_card_balances_low\" >4. Keep your credit card balances low<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#5_avoid_opening_new_accounts_if_you_dont_need_to\" >5. Avoid opening new accounts if you don&#8217;t need to<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#what_are_the_benefits_of_having_a_good_credit_score\" >What are the benefits of having a good credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#faqs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#what_is_the_difference_between_a_credit_score_and_a_credit_rating\" >What is the difference between a credit score and a credit rating?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#what_is_the_average_credit_score_in_the_uk\" >What is the average credit score in the UK?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.drafty.co.uk\/blog\/good-credit-score\/#what_can_i_do_if_my_credit_score_is_below_600\" >What can I do if my credit score is below 600?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_is_a_credit_score\"><\/span><strong>What is a credit score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A <strong><a href=\"https:\/\/www.drafty.co.uk\/blog\/credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit score<\/a><\/strong> is a number that shows how well you&#8217;ve managed your money, both now and in the past. It gives lenders an idea of how likely you are to repay a loan or credit card. The lower your score, the harder it can be to find loans without paying high interest rates.<\/p>\n\n\n\n<p>Your credit score is worked out by <strong><a href=\"https:\/\/www.drafty.co.uk\/blog\/credit-reference-agencies\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit reference agencies<\/a><\/strong> (CRAs). They use personal and financial information on your credit file to work out the score. Credit reference agencies collect the information from businesses where you have financial accounts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_is_considered_a_good_credit_score_in_the_uk\"><\/span><strong>What is considered a good credit score in the UK?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To have a good credit score in the UK, your score needs to fall in the top ranges set by the three credit reference agencies. These agencies each use their own scoring models to decide if your score is excellent, good, or poor.<\/p>\n\n\n\n<p>This means there isn&#8217;t one number that gives you the same rating across all three agencies. Different credit reference agency varies in how they rate scores. The table below shows how the credit score ranges differ between the credit bureaus.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Credit Score Range<\/strong><\/td><td><strong>Very Poor\/Poor<\/strong><\/td><td><strong>Fair<\/strong><\/td><td><strong>Good\/Very Good<\/strong><\/td><td><strong>Excellent<\/strong><\/td><\/tr><tr><td><strong>Experian<\/strong><\/td><td>0-640<\/td><td>641-860<\/td><td>861-1120<\/td><td>1121-1250<\/td><\/tr><tr><td><strong>Equifax<\/strong><\/td><td>0-438<\/td><td>439-530<\/td><td>531-810<\/td><td>811-1,000<\/td><\/tr><tr><td><strong>TransUnion<\/strong><\/td><td>0-565<\/td><td>566-603<\/td><td>604-627<\/td><td>628-710<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"why_a_good_credit_score_is_important\"><\/span><strong>Why a good credit score is important?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A good credit score is important because it shows that you&#8217;re good at managing your money. Lenders use it to help them decide if they&#8217;ll approve your credit application.<\/p>\n\n\n\n<p>A higher credit score means you&#8217;re a low risk borrower. This not only makes it easier to <strong><a href=\"https:\/\/www.drafty.co.uk\/loans\/borrow-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">borrow money<\/a><\/strong>, but it could also lead to lower interest rates. A poor credit score makes you a higher risk for lenders. This makes it harder to get <strong><a href=\"https:\/\/www.drafty.co.uk\/loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">loans<\/a><\/strong> and could lead to you being offered higher interest rates.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_is_a_credit_score_calculated\"><\/span><strong>How is a credit score calculated?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Credit scores are calculated using the information that&#8217;s on your credit report. Credit scoring models use various factors, with some having a bigger impact than others.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_your_payment_history\"><\/span><strong>1. Your payment history<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your payment history shows how good you are at making payments on your debts. It&#8217;s one of the biggest factors that affect your credit score. If you have missed or late payments, it will <strong><a href=\"https:\/\/www.drafty.co.uk\/blog\/why-has-my-credit-score-gone-down\/\" target=\"_blank\" rel=\"noreferrer noopener\">bring down your credit score<\/a><\/strong>. That&#8217;s why it&#8217;s vital to make sure you&#8217;re never late with your credit repayments.<\/p>\n\n\n\n<p>If you haven&#8217;t been great with your repayments in the past, there are things you can do to help improve your credit record:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Set up a direct debit to pay your bills when your wages go in. You&#8217;re less likely to miss payments this way.<\/li>\n\n\n\n<li>If you&#8217;ve fallen behind on late payments you&#8217;ve missed in the past, catch up as soon as you can. The quicker you get back up to date, the faster your credit score will start to improve.<\/li>\n\n\n\n<li>Make a budget plan. Budgeting helps you pay important things like your loan repayments, and then only spend what you have left. It&#8217;ll be worth it when you see your debts shrinking and your credit score rising.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_your_outstanding_debts\"><\/span><strong>2. Your outstanding debts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your existing debt will impact your credit score, as having too much debt can bring it down. It depends on how much debt you have compared to your agreed credit limits. If you&#8217;re maxing out your credit cards, it&#8217;ll hurt your credit score. But if you only borrow around 30% of your credit limit, this will help your credit score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_the_length_of_your_credit_history\"><\/span><strong>3. The length of your credit history<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your credit history builds up over time. If you haven&#8217;t borrowed money before, your credit history will be short. With a short credit history, there&#8217;s not much past account history to base your credit score on. This will make your score lower.<\/p>\n\n\n\n<p>There are credit cards you can take out that help build your credit score. They&#8217;re called credit builder cards. If you take out one of these, always pay back what you spend on it each month. That way you&#8217;ll soon see your credit score start to go up. It takes around 6 months to build your credit score, so be patient while yours is improving.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_the_types_of_credit_you_use\"><\/span><strong>4. The types of credit you use<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There are different types of credit available. The most common ones are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mortgages<\/li>\n\n\n\n<li>Loans<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.drafty.co.uk\/flex\/credit-cards-for-bad-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\">Credit cards<\/a><\/strong> and <strong><a href=\"https:\/\/www.drafty.co.uk\/credit-line\/\" target=\"_blank\" rel=\"noreferrer noopener\">lines of credit<\/a><\/strong><\/li>\n\n\n\n<li>Car Leases<\/li>\n<\/ul>\n\n\n\n<p>If you have a mix of these different types of credit, it shows that you can manage credit well. It helps your credit score &#8211; as long as you don&#8217;t borrow too much, and you keep on top of your payments!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_to_check_your_credit_score_in_the_uk_for_free\"><\/span><strong>How to check your credit score in the UK for free<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can check your credit score in the UK for free once every year by signing up with one of the <strong><a href=\"https:\/\/www.drafty.co.uk\/blog\/credit-reference-agencies\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit reference agencies<\/a><\/strong>. There are three main agencies to choose from:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Experian<\/li>\n\n\n\n<li>Equifax<\/li>\n\n\n\n<li>TransUnion<\/li>\n<\/ul>\n\n\n\n<p>When you get your credit score from these agencies, you&#8217;ll find your score won&#8217;t be the same with all three. This is because they don&#8217;t all use the same measurement scale &#8211; our table above shows this. But if your score is rated as good with one agency, it should have a similar rating with the other two. If it&#8217;s wildly different, check the information on your credit report to make sure it&#8217;s correct.<\/p>\n\n\n\n<p>The other way of getting your credit score for free is by signing up to a credit monitoring service. Martin Lewis&#8217; Creditclub &amp; Clearscore are two examples where you can get your credit score for free.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_to_get_started_on_improving_your_credit_score\"><\/span><strong>How to get started on improving your credit score<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you want to start improving your credit score, there are a few things you can do.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_check_your_credit_report_for_errors\"><\/span><strong>1. Check your credit report for errors<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It&#8217;s important that you check your credit report to make sure it&#8217;s accurate. If it has any errors, raise a data dispute with the relevant agency and get it fixed. You don&#8217;t want your credit score to be brought down by a mistake.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_make_all_your_payments_on_time\"><\/span><strong>2. Make all your payments on time<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You can help improve your credit score by making all your repayments when they&#8217;re due. If you&#8217;ve fallen behind, catching up with your payments can make a big difference. Paying back your debts on time shows lenders that you&#8217;re reliable and can manage your money well.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_use_a_credit_monitoring_service\"><\/span><strong>3. Use a credit monitoring service<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Credit monitoring services are useful for helping you track your credit score. They not only tell you what your credit score is, but they&#8217;ll let you know if it changes. There are several credit monitoring services in the UK. Here are a few suggestions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Martin Lewis&#8217; Creditclub<\/li>\n\n\n\n<li>Clearscore<\/li>\n\n\n\n<li>Credit Karma<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_keep_your_credit_card_balances_low\"><\/span><strong>4. Keep your credit card balances low<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Keeping your credit card balance at 30% or less of your credit limit is good for your credit score. For example, if you&#8217;ve got a credit card with a limit of \u00a31,000, you should try to keep your balance below \u00a3300. This shows lenders that you&#8217;re not desperate for money.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_avoid_opening_new_accounts_if_you_dont_need_to\"><\/span><strong>5. Avoid opening new accounts if you don&#8217;t need to<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Every time you open a new credit account it shows on your credit file. Even though it only stays on there for 12 months, it can affect your credit score. The key here is to try not to make too many applications close together in a short period. If you do, it will hurt your credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_are_the_benefits_of_having_a_good_credit_score\"><\/span><strong>What are the benefits of having a good credit score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are benefits to having a good credit score. Here are three reasons why it&#8217;s worth looking after yours:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>A good credit score helps you get approved when you apply to borrow money. You&#8217;ll have more different lenders to choose from too.<\/li>\n\n\n\n<li>If you&#8217;ve got a good credit score, you&#8217;re more likely to be offered lower interest rates. Lenders offer better deals to low risk applicants.<\/li>\n\n\n\n<li>Your credit score is used for more than just loans and credit cards. Landlords and other service providers might check your credit score as part of their decision making process.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In general, a good credit score in the UK must be above 700. But what&#8217;s rated as a good credit score will vary depending on which credit reference agency you use. A good credit score is important if you want more lending options. It also helps you get a better interest rate.<\/p>\n\n\n\n<p>There are ways of improving your credit score. Making your payments on time is the most important factor. There are other factors that can affect it which you need to watch for. But it&#8217;s best to find out what your credit score is, then do what you can to keep it as high as possible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"faqs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1746780357389\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"what_is_the_difference_between_a_credit_score_and_a_credit_rating\"><\/span><strong>What is the difference between a credit score and a credit rating?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>In the UK, a credit score and a credit rating both measure how creditworthy you are. The main difference is that your credit score is a number, your credit rating is the range within which that number falls. For example, with Equifax, you might have a credit score of 700. In this case, your credit rating would be &#8216;good&#8217; as it falls between 531 and 810.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1746780365846\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"what_is_the_average_credit_score_in_the_uk\"><\/span><strong>What is the average credit score in the UK?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The average credit score in the UK is 798 with Experian. But there are three credit reference agencies in the UK, and they each have their own average credit score with scores ranging widely. To find out if your credit score is average, you&#8217;d have to check with each agency. Remember that credit scores aren&#8217;t set in stone. If you have a bad credit score, there are things you can do to change it.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1746780375556\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"what_can_i_do_if_my_credit_score_is_below_600\"><\/span><strong>What can I do if my credit score is below 600?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>If your credit score is below 600, you might have trouble qualifying for some loans. But there are ways of improving it:<br \/>1. Make all your repayments on time, including other household bills<br \/>2. Borrow below your credit limits<br \/>3. Leave gaps between credit applications<br \/>4. Use a credit monitoring service to help you track your credit score<br \/>5. Register to vote &#8211; being on the electoral register helps<br \/>Other factors that can help include checking your employment status is up to date and making sure your financial position is accurately reflected in your credit file.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><strong>Disclaimer:<\/strong> We do not provide financial services. This guide is for informational purposes only.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you puzzled about what makes a good credit score in the UK? Don&#8217;t worry, you&#8217;re not alone. Many people think you need a perfect credit score to borrow money. Having a credit score of 700 and above should boost your chances of getting most loans. If your score is lower, don&#8217;t panic. Your credit [&hellip;]<\/p>\n","protected":false},"author":47,"featured_media":851,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":{"0":"post-850","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-research"},"_links":{"self":[{"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/posts\/850","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/users\/47"}],"replies":[{"embeddable":true,"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=850"}],"version-history":[{"count":10,"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/posts\/850\/revisions"}],"predecessor-version":[{"id":1307,"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/posts\/850\/revisions\/1307"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/media\/851"}],"wp:attachment":[{"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=850"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=850"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.drafty.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=850"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}