Credit Score Improvement Simulator

Where you are now

Use your current score (any agency's 0–999 style scale) and tick what you could change.

Current estimated score:

Actions you could take

Cut credit utilisation below 30% (+40) Get utilisation under 10% (+30) 12 months with no missed payments (+70) Register on the electoral roll (+30) No new applications for 6 months (+25) A default/CCJ ages past (or drops off) (+60)

Projected score

Mortgage readiness

Prime / high-street lenders
Buy-to-let lenders
Specialist / adverse-credit lenders

Illustrative only. Point values are indicative - real scoring is set by the credit reference agencies and lenders weigh many factors. Check your real score free with Experian, Equifax or TransUnion.

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