Londoners have the best credit scores

Michael Lloyd

July 30, 2018

London leads the way in terms of the best average credit scores across the UK, TotallyMoney has found.

Greater London has the best average credit score, closely followed by Hertfordshire.

Joe Gardiner, TotallyMoney head of brand and content, said: “Your credit score gives you a handy snapshot of how well you’re managing your money.

“And the credit ‘haves’ in the South East score higher than the credit ‘have nots’ in the North. But whether you’re in Lands End or John O’Groats, you can check our interactive map to see if you’re a better borrower than your neighbours.

“Of course, for the full picture of your financial fortitude, and to find out how to improve your score, you’ll need to check out your credit report. Get yours free from TotallyMoney, and it’ll be the Kardashians who are trying to keep up with you.”

Kingston upon Thames was the town to soar to the top of the table, with the highest average credit score of 547. Greater London areas are shown to be the best performers, with seven locations ranking in the top 20.

As well as Kingston upon Thames, Greater London areas Harrow, Twickenham, Sutton, Slough, Enfield, and Ilford all rank in the top 20, taking places first, third, fifth, 10th, 11th, 13th, and 16th respectively.

The second-best performers were areas in Hertfordshire, with three locations ranking in the top 20. Watford, Hemel Hempstead, and St Albans took places second, seventh and 12th respectively.

Aberdeen (14th) and Wick (17th) were the only areas in Scotland to feature in the top 20. No areas in Wales ranked in the top 20.

Although Cleveland took last place with an average credit score of 513, Yorkshire was revealed to be the worst performing county overall, with six locations taking places in the bottom 20.

Second from last was Yorkshire’s Doncaster, which has an average credit score of 514. Hull also ranked in the bottom five, with an average credit score of 515.

Midlands’ Wolverhampton also featured in the bottom five, one spot below Hull.

Two areas in Scotland, Dundee and Kilmarnock, ranked in the bottom 20. Although locations in Wales didn’t rank in the top 20, they didn’t rank in the bottom 20 either.

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