The UK Eligibility Map: Where in the UK are people most eligible for credit?

How divided is the UK? No, we’re not talking about Brexit, but rather how people’s eligibility scores stack up against each other.

We’ve mapped out the average eligibility scores around the UK to show the differences in access to credit throughout the country.

Scotland - 328 Northern Ireland - 333 Wales - 319 England - 331

What is an eligibility score?

Your eligibility score is an indicator of your chances of being accepted when you apply for credit. Scored out of 1000, the higher your eligibility score, the more attractive you are to lenders.

The score, unique to TotallyMoney.com, takes into account crucial information that is excluded from your credit score but still forms part of credit providers' lending criteria. You can see your eligibility score for free and find out how you compare to the national average and people in your area.

Your eligibility score considers your credit history along with changes in the market, making it the only score that is directly related to the credit that is available to you.

Checking your eligibility has no impact on your credit score. We run a soft search on your credit file to generate your score. Soft searches are generally not visible to lenders, but if they are, lending decisions are unaffected.

The scores featured in our research come from TotallyMoney.com users.

The research showed that out of the countries that make up the United Kingdom, Northern Ireland has the best average eligibility score, at 333 out of 1000.

England is close in second with 331, followed by Scotland at 328 and Wales at 319.

Looking at the country's ten largest cities, we see some interesting results when it comes to eligibility.

Average eligibility scores of the UK’s 10 largest cities

City
Score
Bradford 344
London 340
Glasgow 336
Bristol 333
Leeds 329
Sheffield 329
Manchester 328
Birmingham 324
Liverpool 321
Edinburgh 314

Interactive eligibility map of the UK

Use the map to see the UK's eligibility hotspots. How eligible is your postcode area? Are your neighbours more or less eligible than you? Find out below.

Average Eligibility Score

0 to 301
301 to 350
350 to 351
351 to 401
401 to 1,000

See our infographic for a clear breakdown of the average eligibility scores of the UK’s 10 largest cities.

Some interesting points that arose from the research:

London might be the financial centre of the UK, but at 340 out of 1000, it only has the second best average eligibility score of the country's ten biggest cities. Bradford came out on top with an average score of 344.

The average eligibility score across Scotland is lower than that of England or Northern Ireland, however the Scottish cities of Glasgow and Edinburgh have the third and tenth highest average eligibility score, respectively, of any UK city.

Of the UK’s ten most populated cities, six (Bradford, London, Glasgow, Bristol, Leeds and Sheffield) have an average eligibility score which sits equal to or above the national average of 329.

The four top areas for average eligibility scores (Kingston, Twickenham, Bromley and South-West London), all lie in the South-West of England.

An eligibility score is a real-time snapshot of someone's access to credit. Therefore the average scores can fluctuate day-to-day due to changes in people's credit files or in the markets. All the averages used in this research were calculated on 18 April 2017.

Top 10 Postcode Areas

Postcode area
Location Score
KT Kingston 357
TW Twickenham 356
BR Bromley 355
SW South West London 352
OX Oxford 350
UB Uxbridge 350
GU Guilford 349
HA Harrow 348
IG Ilford 348
HP Hemel Hempstead 347

Bottom 10 Postcode Areas

Postcode area
Location Score
HR Hereford 317
CF Cardiff 317
BL Bolton 317
DG Dumfries & Galloway 316
FY Blackpool 315
NP Newport 315
DD Dundee 314
WC West Central London 313
BN Brighton 313
SA Swansea 313

What affects your eligibility score?

Missing monthly payments on credit cards or loans, or going outside of your credit limit will negatively impact your eligibility score.

However a low eligibility score can be improved by getting a card for people with poor credit and using it sensibly – for example by spending a little on it each month and always making sure you pay off the balance in full.

Other small changes can make lenders see you as more reliable. Register to vote and try not to move house too often. This will make you appear a more stable person who will be responsible with a card or a loan, thereby improving your eligibility score.