In this MoneySavingExpert guide we look at how credit ratings are worked out, what makes a good credit score, and how you can make yourself more appealing to lenders.

A good credit score in the UK can make it easier to be accepted for credit cards, loans and mortgages and at lower interest rates. Find out more

A good credit score in the UK means a score rated "good" or "excellent" by whichever credit reference agency a lender consults. The three main agencies are Experian, Equifax, and TransUnion, and each uses a different scale.

This guide gives you the score ranges from all three UK credit reference agencies, explains what each band means in practice, and tells you what score you actually need for a credit card, loan or mortgage.

Learn what makes a good credit score and what counts as a good credit score in the Experian score bands. Find out how to improve or maintain your score.

Below, we explain what each credit reference agency considers to be ‘good’ credit rating, what credit score you might need for a mortgage, and where you should go to check your credit score.

See what counts as a good credit score on Experian, Equifax and TransUnion in 2026, and what UK lenders actually look for.

Discover what counts as a good credit score in the UK across Experian, Equifax, and TransUnion.

A good credit score in the UK is 881 or above with Experian, 420 or above with Equifax, and 604 or above with TransUnion. Each agency uses a different scale, so context matters.

Find out what counts as a good credit score in the UK across Experian, Equifax and TransUnion. Understand score ranges, what lenders look for, and how your score affects borrowing.