What's impacting my score?
How my score compares to others?
My credit score
Average score in my area
Average score across the UK
We calculate the average credit score for the entire UK and for your region based on the postcode we hold for you within Noddle.
Why is my credit score important?
Your credit score is a number that can affect your ability to be approved for credit as it helps reflect the likelihood of you making repayments.
Credit scores help lenders assess each application fairly using their criteria. People with a high score are usually seen as lower risk, and are therefore more likely to be able to get credit (possibly at better rates). However, your score is only one element that a lender will take into consideration when reviewing your application so a high score doesn't guarantee that your application will be accepted.
Why is my score different to my score with Equifax or Experian?
Just like each lender has different factors they take into consideration when building their score, each credit reference agency also has different factors and approaches which they use. This means that each credit reference agency may have a different credit scoring model and show you a different credit score. For example, while one agency may score you out of 1000 another may score you out of 700, which makes them difficult to compare directly.
Although the score value you see may be different, each credit reference agency provides you with a view of your credit score on a visual scale which ranges between ‘Very Poor’ to ‘Excellent’. It’s a good idea to look at where each credit reference agency places you on this scale to more easily compare how the different agencies score you.