What’s the average Experian Credit Score where you live?

Average Experian Credit Score in Edinburgh What’s your Experian Credit Score?  We wanted to see if there were any significant differences in the average Experian Credit Score in different UK cities – from a variety of locations.

The Experian Credit Score runs from 0-999, and usually a higher score means you’re seen as lower risk, which means you could be more likely to get a credit card, a loan or a mortgage, and at better rates too.

You may have seen some of our posters beside major roads, or if you’re in London, on tube platforms. If you have, I hope you saw your local area listed!

We looked at the average Experian Credit Score in ten of the largest local authority areas outside of London, based on Experian customers who joined between January and September 2016.

Edinburgh came out top, with an average score of 807, followed by Bristol on 780.  Cardiff was next up with 737, closely followed by both Leeds and Glasgow with 735. 

Manchester’s average Experian Credit Score was 721, while Birmingham’s was 719 and Liverpool 716, and finally Swansea had 707 and Bradford 706.

For comparison, we found that the UK average Experian Credit Score was 757*.  Interestingly, London itself had an average Experian Credit Score of 780.**            

What is the Experian Credit Score, and why is it useful?

The Experian Credit Score is based on the information on your Experian Credit Report, and shows you how lenders may view you.

It can be a useful thing to know when you are thinking of applying for credit – like a loan, credit card, mortgage, car finance…even a mobile phone contract.

Lenders will use your credit report information, combined with the other information you put on your credit application form, past information lenders already have plus any criteria of their own, to decide if they’d like to give you credit.

To get your Experian Credit Score FREE forever, sign up to our new CreditMatcher, a free independent service that helps you compare credit deals you’re more likely to get, based on your credit information. We are a credit broker not a lender, working with selected lenders***

*Average Experian Credit Score is based on Experian customers who joined between January-September 2016 living within listed Local Authority Areas. scores correct as of 10 October 2016.

**Average Experian Credit Score is based on Experian customers who joined between January-September 2016 living within Greater London Local Authority Areas. Scores correct as of 5 September 2016.

***Experian acts as a credit broker and not a lender in the provision of its credit cards and personal, car finance and guarantor loans matching services, meaning it will show you products offered by lenders and other brokers.

Experian acts independently and although CreditMatcher shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you. CreditMatcher services are provided free however we will receive commission payments from lenders or brokers we introduce you to.

CreditMatcher is provided by Experian Ltd (Registered number 653331). Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 009743). Experian Ltd is registered in England and Wales with registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ.”

Copyright © 2017, Experian Ltd. All rights reserved.

6 thoughts on “What’s the average Experian Credit Score where you live?

    1. CreditExpert Neil

      Hi Jamie, sorry we don’t have the average score for Wigan. The UK average is 757 though. Hope this helps! Kind regards Neil

      Reply
  1. Sue Hall

    Hi Darren
    Can you recommend a mortgage company which specializes in helpingclients with a poor credit score / default notices on their credit file.
    I have three default notices, dating back to 2012, 2014 & 2015.
    Ironically I have a good credit history, I have not missed a pyment date for the last 3 years. Like most in my position, my biggest monthly expense is my rent (£850 pcm), I have lived in my current address for four years and have not missed a single payment. It’s frustrating that my rent cannot be used when assessing risk.
    I am desperate to buy a property and fear that if I wait until the most recent default notices drops off my credit file, in 2021, I will be too old to apply for a mortgage as I am now 45.

    My financial clock is ticking!

    Any advice on this would would greatly received

    Many thanks
    Sue

    Reply
    1. CreditExpert Neil

      Hi Sue, sadly I am not able to give financial advice or recommend any specific mortgage companies. Our CreditMatcher service does allow you to compare mortgages though. Find out more about it here. Although rental information does not currently appear on your credit report this is something that we are working to get added, as there are many people in similar situation to you who would benefit from the rental payments being recorded on their credit reports. I appreciate that you are looking to get a mortgage soon, and you may find our guide to getting your report ready for a mortgage application useful here. kind regards Neil

      Reply
  2. Marc

    Hello Experian, I have signed up to your free credit score for life, and I also have it free with my credit card supplier, my question is, why is there more than 200 points difference between the 2 accounts despite both accounts having the same info?
    Kind regards Marc

    Reply
    1. CreditExpert Neil

      Hi Marc, the free Experian Credit Score with CreditMatcher is updated every 30 days, so it is possible that the score is different to the one provided by your card provider if information on your report has changed since this score was produced.
      If different information is being retrieved when the score is produced this could also lead t a different score. This can happen if different versions of your address have been used for each application or different previous address information has been provided.
      Kind regards Neil.

      Reply

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