What is a good credit score and where does it come from?

This is a question we’re asked a lot at CreditLadder so we have formulated what we hope is an easy to understand summary.

Is there more than one Credit Reference Agency? (CRA).

The UK has four main CRAs namely Experian, Equifax, TransUnion and Crediva.

What is a good credit score?

Each CRA has its own credit scoring system and therefore there isn’t one answer to ‘what is a good credit score?’

1. Experian

The Experian score runs from 0-999 with 999 the maximum score you can receive.

Experian Credit Score

What is a good credit score?

Each CRA has its own credit scoring system and therefore there isn’t one answer to ‘what is a good credit score?’

Credit monitoring service
Barclaycard
Halifax Mortgages
Lloyds Bank
Santander
Nationwide
Natwest
Revolut
TSB
Carphone warehouse

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