What can I get with a 700 credit score UK?

With 700 on Equifax or TransUnion, you can access most mainstream credit cards, personal loans at reasonable rates, car finance, and most phone contracts. On Experian where 700 is Poor, you may face rejections or higher rates.

Is a 700 credit score good for a mortgage UK?

On Equifax or TransUnion, yes — 700 should qualify you for mainstream mortgage rates. On Experian, 700 may require specialist lenders or higher deposits. Mortgage lenders use all three agencies, so check each score.

How can I improve my credit score from 700 UK?

Pay all bills on time, keep credit utilisation below 30%, don't apply for credit frequently, ensure you're on the electoral roll, and check for errors on your credit report. Small improvements in habits typically raise scores 50-100 points in 3-6 months.

Is 700 a Good Credit Score UK? — Full Breakdown by Agency | PocketWise

Q: Is 700 a good credit score UK?

It depends on the agency. 700 is 'Good' on Equifax (scores 670-739), 'Good' on TransUnion (scores 604-730), but 'Poor' on Experian (scores 721-880 are 'Fair'). Experian uses a 0-999 scale where 700 is below average.

700 credit score means different things depending on the agency. Here’s exactly what 700 gets you on each UK credit reference agency.

Read more: See our Credit Scores guide for a complete overview of this topic.

700 Score — Quick Assessment by Agency

Agency	Scale	700 rating	Assessment
Experian	0-999	Poor	❌ Below average
Equifax	0-1000	Good	✅ Above average
TransUnion	0-710	Good	✅ Near maximum

700 is excellent on TransUnion, good on Equifax, but poor on Experian.

Experian: 700 = Poor

Experian score bands

Score range	Rating	Where 700 sits
0-560	Very Poor
561-720	Poor	← 700 is here
721-880	Fair
881-960	Good
961-999	Excellent

On Experian, 700 is in the “Poor” category — below 70% of the population.

What 700 on Experian gets you

Product	Availability
Mainstream credit cards	❌ Limited
Best credit card rates	❌ No
Store cards	✅ Some
Personal loans (mainstream)	❌ Difficult
High-interest loans	✅ Available
Mobile contracts	⚠️ May require deposit
Mortgages	⚠️ Specialist lenders
Car finance (mainstream)	❌ Limited
Subprime car finance	✅ Available

Priority: Improve quickly

If your Experian score is 700, aim for:

721+ → Fair (opens more options)
881+ → Good (mainstream products)
961+ → Excellent (best rates)

Equifax: 700 = Good

Equifax score bands

Score range	Rating	Where 700 sits
0-438	Very Poor
439-530	Poor
531-669	Fair
670-739	Good	← 700 is here
740-1000	Excellent

On Equifax, 700 is solidly in the “Good” category — better than most people.

What 700 on Equifax gets you

Product	Availability
Most credit cards	✅ Yes
0% balance transfer cards	✅ Some
0% purchase cards	✅ Yes
Rewards credit cards	✅ Most
Personal loans	✅ Competitive rates
Mobile contracts	✅ All
Mortgages	✅ Mainstream rates
Car finance	✅ Good rates
Overdrafts	✅ Yes

Room to improve

To reach Excellent (740+), you’ll unlock:

Best available interest rates
Highest credit limits
Premium rewards cards

TransUnion: 700 = Excellent

TransUnion score bands

Score range	Rating	Where 700 sits
0-550	Very Poor
551-565	Poor
566-603	Fair
604-627	Good
628-710	Excellent	← 700 is here

On TransUnion, 700 is near-maximum — in the top tier.

What 700 on TransUnion gets you

Product	Availability
All credit cards	✅ Yes
Best rates available	✅ Yes
Premium rewards cards	✅ Yes
0% interest deals (longest)	✅ Yes
Personal loans (cheapest)	✅ Yes
Mortgages (best rates)	✅ Yes
Any car finance	✅ Yes
Business credit	✅ Yes

700 on TransUnion is essentially as good as it gets — you’ll qualify for the best products.

Side-by-Side: What 700 Means

Aspect	Experian 700	Equifax 700	TransUnion 700
Rating	Poor	Good	Excellent
Percentile	Bottom 30%	Top 40%	Top 20%
Action needed	Urgent improvement	Maintain/improve	Maintain
Credit access	Limited	Good	Full
Best rates	No	Some	Yes

How Lenders Use These Scores

Lender type	Primary agencies used
High street banks	All three
Credit card companies	Varies (often Experian)
Mortgage lenders	All three
Car finance	Varies
Online lenders	Often Experian or Equifax
Buy now pay later	Often TransUnion

Because different lenders use different agencies, you should check all three scores.

Improving From 700 — Timeline

If 700 on Experian (Poor)

Target	Score needed	Typical time	Priority actions
Fair	721+	2-4 months	Pay on time, reduce utilisation
Good	881+	6-12 months	All above + time
Excellent	961+	12-24 months	Perfect credit behaviour

If 700 on Equifax (Good)

Target	Score needed	Typical time	Priority actions
Excellent	740+	2-4 months	Keep utilisation low, no missed payments

If 700 on TransUnion (Excellent)

Target	Score needed	Typical time	Priority actions
Maximum	710	1-2 months	Maintain current behaviour

Quick Wins to Boost Your Score

Action	Impact	Timeframe
Register on electoral roll	+10-50 points	1 month
Pay bills on time	+20-50 points	1-3 months
Reduce credit utilisation to <30%	+30-80 points	1-2 months
Fix errors on report	+10-100 points	1-2 months
Stop multiple applications	Stops decline	Immediate
Pay off small debts	+10-30 points	1 month

Where to Check Your Score Free

Agency	Free access via
Experian	Experian app, MSE Credit Club
Equifax	ClearScore
TransUnion	Credit Karma

Check all three — your score varies between agencies.

700 Score: Action Summary

Your 700 on	What to do
Experian	Prioritise improvement — you have limited credit access
Equifax	Good position — maintain and slowly improve
TransUnion	Excellent — focus on maintaining

Products You Can/Can’t Get at 700

Credit cards

Card type	Experian 700	Equifax 700	TransUnion 700
Credit builder cards	✅ Yes	✅ Yes	✅ Yes
Standard cards	⚠️ Some	✅ Yes	✅ Yes
0% purchase cards	❌ Unlikely	✅ Some	✅ Best deals
0% balance transfer	❌ No	⚠️ Some	✅ Best deals
Rewards/cashback	❌ No	✅ Some	✅ Yes
Premium cards (Amex)	❌ No	⚠️ Maybe	✅ Yes

Loans

Loan type	Experian 700	Equifax 700	TransUnion 700
Payday loans	✅ (avoid)	✅ (avoid)	✅ (avoid)
High-interest personal	✅ Yes	✅ Yes	✅ Yes
Mainstream personal	❌ Difficult	✅ Yes	✅ Yes
Low-rate personal	❌ No	⚠️ Some	✅ Yes

Mortgages

Mortgage type	Experian 700	Equifax 700	TransUnion 700
Specialist/subprime	✅ Yes	✅ Yes	✅ Yes
Standard rates	⚠️ Higher deposit	✅ Yes	✅ Yes
Best rates	❌ No	⚠️ Maybe	✅ Yes

Key Takeaways

Question	Answer
Is 700 good on Experian?	❌ No — it’s Poor (improve urgently)
Is 700 good on Equifax?	✅ Yes — it’s Good
Is 700 good on TransUnion?	✅ Yes — it’s Excellent
Can I get a mortgage at 700?	Depends on agency — check all three
What should I do?	Check which agency shows 700, then act accordingly
Which score matters most?	The one your lender uses — check all three

A 700 credit score can mean anything from poor to excellent depending on the credit reference agency. Check your score on Experian, Equifax, and TransUnion (all free), identify which one shows 700, and focus your improvement efforts accordingly. If it’s Experian, take immediate action — if it’s TransUnion, you’re in great shape.

Is 700 a Good Credit Score UK? — Full Breakdown by Agency

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