If you’ve checked your credit score, you might be wondering whether it’s considered “good” – and what that actually means in practice.
Credit scores can vary depending on the provider, so understanding how they work in the UK can help you put your score into context.
In this guide, we’ll explain what a good credit score is, how different scoring systems work, and what you can do to improve your score over time.
Disclaimer: This article is for general information only and does not constitute legal or financial advice. Always seek professional advice if you are unsure about your situation.
What is a credit score?
A credit score is a number that reflects your credit history and how you’ve managed borrowing in the past.
Lenders use it as part of their decision-making process when assessing applications for credit.
What is a good credit score in the UK?
There isn’t a single universal score in the UK. Instead, different credit reference agencies use their own scoring systems.
Here’s a general guide:
Experian (0–999)
- 0–560: Poor
- 561–720: Fair
- 721–880: Good
- 881–999: Excellent
Equifax (0–1000)
- 0–438: Poor
- 439–530: Fair
- 531–670: Good
- 671–1000: Very good
TransUnion (0–710)
- 0–550: Poor
- 551–565: Fair
- 566–603: Good
- 604–710: Excellent
In general, a “good” credit score is one that places you in the upper ranges of these scales.
Do lenders use your credit score directly?
Not always.
Lenders typically use:
- your credit report
- your financial circumstances
- their own internal scoring systems
Your credit score is a useful guide, but it’s only one part of the overall assessment.
What does a good credit score help with?
Having a good credit score may make it easier to:
- get approved for credit
- access better interest rates
- increase borrowing limits
What if your credit score is low?
A low credit score does not mean you cannot access credit, but it may:
- reduce your options
- lead to higher interest rates
- require additional checks
The good news is that your score can improve over time.
How can you improve your credit score?
You can take steps to improve your score, such as:
- making payments on time
- checking your credit report regularly
- correcting any errors
- keeping credit usage low
- avoiding multiple credit applications
You can find more detailed steps in our guide on how to improve your credit score.
How long does it take to improve your score?
This depends on your situation.
For example:
- small improvements may take a few months
- larger issues (such as defaults or CCJs) may take longer to recover from
See our guide on how long defaults stay on your credit file for more information.
Key takeaway
A “good” credit score depends on the scoring system used, but generally means you fall into the higher ranges. While your score is important, lenders will also consider your overall financial situation.
Need further support?
If you’re feeling overwhelmed or unsure what to do next, you’re not alone – there are free, trusted organisations that can offer confidential advice and support.
- StepChange Debt Charity – Free, impartial debt advice and personalised support with managing and repaying debt.
- Citizens Advice – Independent advice on your rights, dealing with creditors, and resolving disputes.
- National Debtline – Clear guidance and practical tools, including template letters and advice on handling debt collectors and enforcement action.
- Samaritans – Confidential emotional support if you’re feeling stressed or anxious about your situation.
It’s often a good idea to seek advice before making any decisions, especially if you’re unsure about your rights or the validity of a debt.
These organisations offer free support and are not affiliated with this website.
FAQ
What is a good credit score out of 999?
With Experian, a score above 721 is generally considered good.
Is 600 a good credit score in the UK?
It depends on the provider, but it may fall into the fair or good range.
Can you get a mortgage with a low credit score?
It may still be possible, but options may be more limited.