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A Balanced Credit Rating

A 3 Star Credit Rating is a result of a balance of negative and positive inputs. Click on any item for more detail.

Attributes are not equally weighted, some carry much more weight than others when calculating a Credit Score.

8% Chance of Entering Arrears

The chances of entering arrears on a credit agreement can be evaluated from a Credit Score as follows.

The higher the percentage, the more risk the lender is taking. This typically results in declined application if the lender has a low risk appetite, or higher borrowing costs.

Check Whether Your Credit Report Contains Arrears

How Do Your Neighbours Affect You?

Public databases such as the Register of Court Judgments and Insolvency Records along with census and survey data are used to estimate the average financial risk in a postcode.


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Credit Cards

Loans

Mortgages

The potential cost of borrowing can vary dramatically, depending on your Credit Score

 

Score

APR

Monthly†

 
Up to 450
34.9%
£87
 
450 to 639
29.9%
£75
 
640 to 719
18.9%
£47

750 ►

720 to 829
16.9%
£42
 
830 to 899
15.9%
£40
 
900 to 1000
14.9%
£37

† Based on an Average credit card balance of £3000, over the course of 12 months.

Find A Lender Matched To Your FREE Score & Rating

Credit Cards

Loans

Mortgages

The potential cost of borrowing can vary dramatically, depending on your Credit Score

 

Score

APR

Monthly†

 
Up to 450
19.9%
£124
 
450 to 639
17.9%
£112
 
640 to 719
14.9%
£93

750 ►

720 to 829
11.9%
£74
 
830 to 899
9.9%
£62
 
900 to 1000
7.9%
£49

† Based on an average loan balance of £7500, over the course of 12 months..

Find A Lender Matched To Your FREE Score & Rating

Credit Cards

Loans

Mortgages

The potential cost of borrowing can vary dramatically, depending on your Credit Score

 

Score

APR

Monthly†

 
Up to 450
9.6%
£963
 
450 to 639
6.9%
£688
 
640 to 719
6.3%
£633

750 ►

720 to 829
6.1%
£605
 
830 to 899
5.8%
£578
 
900 to 1000
5.5%
£550

† Based on monthly payments to service an interest only mortgage of £120,000.

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Free Credit Score

Free Credit Score

Average UK Credit Score

An average UK adult, with typical circumstances and some credit history would have a Credit Score as follows.

750 out of 1000

What This Means

A three star credit rating is bang on what most people in the UK have - a major target group for most credit companies and sadly those most likely to receive large amounts of junk mail.

The majority of lenders will consider a Credit Score of 750 as a reasonable risk and in the absence of other factors, are relatively likely to lend money, however, depending on the information found when the Credit Report is checked, may charge slightly higher than average APR.

Each lender uses its own scorecard, sets it own "cut-off" score and applies its own set of lending rules, and often use your credit file from any one or all of the three credit reference agencies to help calculate your credit score which is why you can be declined by one lender but accepted by another.

How a Score of 750 Compares

When compared to the rest of the UK, a checkmyfile Credit Score of 750 is better than 50% of UK Residents.

One of the major factors in a credit scorecard relates to your stability - it has been proved statistically that the longer you live in a property and the longer you remain in a job, the less risky a prospect you are.

When many people reach their middle age and have growing children to support through education, their finances tend to get stretched.

Top 3 Credit Cards Matched to a 3 Star Credit Rating

You have almost twice the chance of success if you apply for a Credit Card matched to your Credit Rating.

1Bank of Scotland Low Rate Credit Card - 6.4% APR Representative Variable

No Annual Fee

No Introductory Offer

No Balance Transfer Offer

No Cashback or Rewards Offered

Recommended by 58% of customers surveyed

Representative Example

Representative rate of 6.4% on purchases and balances transferred
Based on £1200 limit
Credit limits will vary based on your individual circumstances

2Lloyds Bank Platinum Low Rate Credit Card - 6.45% APR Representative Variable

No Annual Fee

No Introductory Offer

Balance Transfer Offer of at 6.4% (no fee)

No Cashback or Rewards Offered

Recommended by 57% of customers surveyed

Representative Example

Representative rate of 6.4% on purchases and balances transferred
Based on £1200 limit
Credit limits will vary based on your individual circumstances

3NatWest Clear Rate Platinum Credit Card - 11.1% APR Representative Variable

Annual Fee of £24

No Introductory Offer

No Balance Transfer Offer

No Cashback or Rewards Offered

Recommended by 61% of customers surveyed

Worth Knowing

Must have an income over £10,000 to apply

Representative Example

Representative 11.1% APR (variable) subject to £24 annual fee
Both purchases and balance transfers 6.9% variable
Assumed credit limit £1,200

Find A Lender Matched To Your FREE Credit Score & Rating

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