Trusted UK Good and Bad Credit Scores Broker
In the UK, credit scores vary depending on the Credit Reference Agency you check with. The three main Credit Reference Agencies in the UK are Experian, Equifax, and TransUnion—each have different scoring systems.
UK Credit Score Ranges by Credit Reference Agency
Agency Poor Fair Good Very Good Excellent
Experian (0-999) 0 – 560 561 – 720 721 – 880 881 – 960 961 – 999
Equifax (0-1000) 0 – 438 439 – 530 531 – 670 671 – 810 811 – 1000
TransUnion (0-710) 0 – 550 551 – 565 566 – 603 604 – 627 628 – 710
Key Differences Between Good and Bad Credit Scores in the UK
✅ Good Credit Score (Above Fair/Good Range)
- Easier approval for motor finance, mortgages, and credit cards.
- Lower interest rates and better deals.
- Higher credit limits.
- Better chances of renting a property.
❌ Bad Credit Score (Poor/Fair Range)
- Struggles with motor finance, mortgage or credit card approval.
- Higher interest rates on credit.
- Limited borrowing options (e.g., only subprime lenders).
- Possible rejection for rental agreements.
Good & Bad Credit Finance
At Forward Motor Finance, we cater to customers with both good and bad credit histories. Our experienced team works to find the best finance deals tailored to your unique circumstances. Whether you have an excellent credit score or have faced credit challenges, we are committed to helping you secure the finance you need. Apply now and let us assist you in finding the perfect finance solution, no matter your credit history.
Why Choose Us?
All Credit Histories
Forward Motor Finance specialise in helping all credit histories including customers who have been declined previously elsewhere, have a poor credit or bad credit score. If you have a good credit, poor credit, or bad credit history, click on the apply now tab and complete the easy-to-use application form.
Choose Any Vehicle
The choice is yours because you can choose to buy a motor vehicle from any reputable motor retailer providing they are licensed to offer regulated motor finance products. Alternatively we can recommend a reputable motor retailer from our approved motor dealer network, or we can source a motor vehicle for you to meet your specifications.
Finance For You
Forward Motor Finance can tailor car credit deals for all our customers based on their individual circumstances. Our skilled team will try and sort the best finance offer for you from our panel of lenders first time, every time. We are also available to support you throughout the whole length of your credit agreement. Our team will help you get the credit you deserve.
