NEW! Our Hero’s Journey tool can help you with your next step towards financial freedom - click here to try now.
Advertiser Disclosure

These areas have the best credit scores in the UK

These areas have the best credit scores in the UK
Image source: Getty Images


You probably already know that a good credit score is important if you want to borrow money. But did you know that average credit scores vary depending on where you live?

Looking for a new credit card?

Great credit card offers are out there — you just need to know where to look! If you’re after some of the top offers on the market, a great place to start is our list of the top credit cards.

New research from Moneybarn reveals the areas with the best and worst credit scores in the UK. This is based on average scores out of 1,000 awarded by Experian for each local authority. If you want to know which areas have the best credit scores, read on.

Best by local authority

1. City of London

With the best average score of 877 out of 1,000, the City of London takes the top spot. This should come as no surprise since this is the historic financial district of London. So the majority of its residents will have above-average incomes and high credit scores to match.

2. Wokingham

Wokingham comes a close second with an average score of 864. This is a Berkshire market town 37 miles west of London. Wokingham is home to some of the top earners in the UK, and more than 80% of its residents are homeowners.

3. Chiltern

Chiltern in Buckinghamshire has an average score of 862. It is a popular commuter area with good transport links to London. Many high earners choose to settle here because of the good schools and areas of outstanding natural beauty.

4. Richmond upon Thames

With a score of 860, Richmond upon Thames is fourth on the list. It’s a London borough that includes areas such as Hampton Court, Bushy Park and Twickenham. Salaries are above average and the rate of unemployment is low when compared with the rest of London.

5. Elmbridge

A score of 859 places Elmbridge in the top five. The area has been nicknamed ‘England’s Beverly Hills’ due to its rich and famous residents past and present, including Andy Murray, Kate Winslet and Sir Cliff Richard.

Best by region

Unsurprisingly, the research shows that there is a clear North-South divide with respect to credit scores. The best regions are as follows:

Could you be rewarded for your everyday spending?

Rewards credit cards include schemes that reward you simply for using your credit card. When you spend money on a rewards card you could earn loyalty points, in-store vouchers airmiles, and more. MyWalletHero makes it easy for you to find a card that matches your spending habits so you can get the most value from your rewards.

1. South East

With an average score of 810, residents in the South East of England had the highest credit scores in the UK. This area includes Wokingham, Chiltern and Elmbridge, which are all in the top five by local authority.

2. South West

With a score of 801, this region includes Dorset, Bath and Northeast Somerset, the Cotswolds, Gloucestershire and Cheltenham. This may be surprising for some, but the South West of England ticks many boxes when it comes to wealth indicators.

3. London

Despite the fact that the City of London had the best average score by local authority, London is in third place overall with a score of 798. London is the largest city in the UK in terms of area and population. It is home to residents spanning a wide range of financial backgrounds and credit scores.

4. East of England

With a score of 796, this region includes high scoring authorities in Cambridgeshire, Hertfordshire, Norfolk and Suffolk. However, there is an inequality between the highest and lowest earners in the area resulting in a wide range of scores.

5. Northern Ireland

Northern Ireland scored 786. This region includes the district councils of Lisburn & Castlereagh; Newry, Mourne & Down; and Fermanagh & Omagh. All of these councils scored 800 or above.

Take home

While these scores are an indication of the financial state of specific areas, there are many things you can do to get your personal credit score in shape.

Check out our article on how to improve your credit score for some helpful tips.

Applying for a credit card? Here’s what you need to know.

Preparation is key when applying for credit, but it’s not just about finding the right card for you. Did you know that there are several things you can do before you apply, to increase your chances of getting accepted for a credit card?

To help you on your path to a successful application, we’ve created this free report, “5 Things To Know Before You Apply For A Credit Card”.

Just enter your email below for instant access to your free copy.

By checking this box and submitting your email address, you agree to MyWalletHero sending you emails with money tips, along with details of products and services that we think might interest you. You can unsubscribe from future emails at any time. You also consent to us processing your personal data in line with our privacy policy, and our cookie statement. For more information, including how we collect, store, and handle personal data, please read our Privacy Statement and Terms & Conditions.


Some offers on MyWalletHero are from our partners — it’s how we make money and keep this site going. But does that impact our ratings? Nope. Our commitment is to you. If a product isn’t any good, our rating will reflect that, or we won’t list it at all. Also, while we aim to feature the best products available, we do not review every product on the market. Learn more here. The statements above are The Motley Fool’s alone and have not been provided or endorsed by bank advertisers. John Mackey, CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. The Motley Fool UK has recommended Barclays, Hargreaves Lansdown, HSBC Holdings, Lloyds Banking Group, Mastercard, and Tesco.