Credit score
Credit scores & reportsA number that summarises your credit risk based on information in your credit report.
Overview
In the UK, different agencies use different score ranges, so your score can vary across Experian, Equifax, and TransUnion.
Your score changes as information on your report changes, such as new accounts, repayment history, or utilisation.
Why it matters
- It influences how likely you are to be approved for credit.
- It can affect interest rates and credit limits offered.
- It can impact non-credit checks like mobile or rental applications.
Quick tips
- Pay all bills on time and keep utilisation low.
- Check your report for errors and dispute inaccuracies.
- Build consistent, positive payment history over time.
FAQs
Why do I have multiple credit scores?
Each credit reference agency calculates its own score and may hold different data, so scores vary.
How quickly can my score change?
Scores can change when new data is reported, which may be monthly or more frequently depending on the account.
Related terms
Take control of your credit health
Get the complete credit toolkit — all features included.
Start building creditInstant setup. No credit check. Cancel anytime.