Average Credit Score UK: What’s Normal and What to Do Next
What the average credit score in the UK looks like across Experian, Equifax and TransUnion, why averages can mislead, and the calm steps to improve yours.
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Credit Scores
A calm place to learn how UK credit scores work — and what to check before you apply for credit.
Your credit score shapes every big financial decision — from mortgage rates to mobile contracts. In the UK, lenders look at payment history, credit utilisation, and how often you apply for new credit. Understanding these factors puts you in control before you apply, not after.
Browse our guides to learn what really moves your score. Then use the 118M8 app to see how everyday spending habits translate into the hours you work to pay for them.
Credit score guides
Why Has My Credit Score Gone Down? A Calm UK Checklist
A calm checklist for why your UK credit score dropped and the practical fixes that usually help.
Does Overdraft Affect Credit Score? UK Guide
Does an overdraft affect your credit score in the UK? Learn how arranged vs unarranged overdrafts show on your report, what hurts your score, and calm fixes.
Does Klarna Affect Credit Score? UK Guide
Does Klarna affect credit score in the UK? A calm guide to when BNPL is reported, when checks happen, and how to keep your credit file steady.
What Credit Score Do You Need for a Mortgage? A Calm UK Guide
There’s no single UK credit score that guarantees a mortgage. Learn what lenders actually check, what matters more than the number, and a calm 30-day tidy-up plan.
Electoral Roll Credit Score: What It Means in the UK
Does the electoral roll affect your credit score in the UK? Yes—mostly by helping lenders verify your identity and address. Here’s how it works, how long it takes to update, and what to do if you can’t register.
How Often Does Credit Score Update? UK Timing Explained
How often does your credit score update in the UK? The real timing behind lender reporting cycles, CRA refreshes, and what to do while you wait.
Does Closing a Bank Account Affect Credit Score? UK Guide
Does closing a bank account affect credit score in the UK? Learn when it’s neutral, when it can hurt (overdrafts, missed payments, linked credit), and a calm closure checklist.
Does Opening a Savings Account Affect Credit Score? UK Guide
Does opening a savings account affect credit score in the UK? Usually no. Learn when it’s neutral, the edge cases (hard searches, linked overdrafts), and a calm setup checklist.
What Is the Average Credit Score UK? A Clear Answer
A clear answer to what the average credit score in the UK is, why the number depends on the agency, and the practical checks that matter more than “average”.
What Credit Score Do I Need to Buy a Car? A Calm UK Guide
What credit score do I need to buy a car in the UK? There’s no single number. Learn what car finance lenders check, how score bands work, and a practical 14-day tidy-up plan.
What Credit Score Is Needed to Buy a House? A Calm UK Guide
What credit score is needed to buy a house in the UK? There isn’t one magic number. Here’s what lenders actually check, what matters more than the number, and a calm checklist before you apply.