Credit Score Ranges Explained: What's Good, Bad, and Excellent (2025)
Understand UK credit score ranges from Experian, Equifax, and TransUnion. Learn what each range means, how to check your score for free, and proven strategies to move into higher ranges.
Each UK credit agency uses different score ranges. Understanding them helps you interpret your score correctly.
| Range | Experian | Equifax | TransUnion |
|---|---|---|---|
| Excellent | 881-999 | 671-1000 | 628-710 |
| Good | 721-880 | 531-670 | 566-603 |
| Fair | 561-720 | 439-530 | 566-603 |
| Poor | 0-560 | 0-438 | 0-565 |
Scores Vary
Frequently Asked Questions
What is a good credit score in the UK?
A good credit score in the UK is 881-960 on Experian's scale (0-999), 420-465 on Equifax's scale (0-700), or 604-627 on TransUnion's scale (0-710). Scores above these ranges are considered excellent, while scores below are fair, poor, or very poor.
Why do I have different credit scores from different agencies?
Each credit reference agency (Experian, Equifax, TransUnion) uses a different scoring scale and may hold different information about you. Not all lenders report to all three agencies, so your credit history can vary between them. This is normal and why it's important to check all three.
What credit score do I need to get a mortgage?
Most mortgage lenders prefer a score of 700+ (Experian scale) for standard mortgages. For 95% LTV mortgages, you typically need 700-850+. For 90% LTV with better rates, aim for 750+. Excellent scores (900+) give you access to the best mortgage rates.
How long does it take to improve my credit score range?
Moving up one range typically takes 6-18 months of consistent positive behavior. Quick wins like fixing errors and registering on the electoral roll can show results in 4-6 weeks. Moving from poor to excellent credit typically takes 2-3 years of perfect payment history and low credit utilization.
Can I get credit with a poor credit score?
Yes, but your options are limited to specialist products like credit builder cards, guarantor loans, and credit union loans. You'll face higher interest rates (30-50% APR) and lower credit limits. Focus on building positive payment history with these products to improve your score over time.