Compare & understand
UK credit score ranges by agency
Every credit agency uses a different scale. Choose where you checked your score to see what it means and how to improve it.
Experian
0–1250 score scale
Equifax
0–1000 score scale
TransUnion
0–710 score scale
ClearScore
Uses Equifax data0–1000 score scale
Credit Karma
Uses TransUnion data0–710 score scale
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Check my score →How to use this guide
- Find the service where you checked your score
- See what range your score falls into
- Learn what that range means for credit applications
- Get tips specific to improving your range
Key credit concepts
Common questions about credit score ranges
Why do credit score ranges differ between agencies?
Each credit reference agency (Experian, Equifax, TransUnion) uses its own scoring model and data sources. This means the same person can have different scores across agencies. What matters is where your score falls within that agency's range.
Which credit score range should I focus on?
Focus on the agency your lender uses. If you don't know which one, check all three. Most UK lenders use Experian or Equifax, while some use TransUnion. ClearScore shows Equifax data, and Credit Karma shows TransUnion data.
How can I move into a better score range?
Pay all bills on time, keep credit utilisation below 30%, avoid multiple credit applications in a short period, and check your credit report for errors. Building credit takes time, but consistent good habits will improve your range.
Does checking my score affect my credit range?
No. Checking your own credit score is a "soft search" and doesn't affect your credit rating. You can check as often as you like through services like Experian, ClearScore, or Credit Karma.
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