Consumers in Kingston upon Thames have the highest average credit score

People living in Kingston upon Thames (KT) have the highest average credit scores in the country, according to analysis price comparison site MoneySuperMarket.

The company’s Credit Monitor analysis of over 200,000 credit reports revealed that those with a KT postcode have the highest average credit score at 586 out of a possible 710 points,  17 points higher than the UK average.

The company says that whilst an individual’s credit score is not only directly influenced by their location alone, there are a number of factors that can affect this. It’s worth considering how long credit has been held, history of payments, credit usage and even registration on the electoral roll that can have a clearer impact, with these factors driving credit score trends across different parts of the country.

According to MoneySuperMarket data, Guildford in Surrey has the second-highest average score across the UK at 584, while the UK average score is 569, an increase of seven points since 2019.

By contrast, those living in parts of the north of England and the Midlands have some of the lowest credit scores in the country. Sunderland (552), Doncaster (554) and Wolverhampton (555) are the three lowest scoring postcodes.

Sally Francis-Miles, Money Spokesperson at MoneySuperMarket, said “Although your credit score isn’t directly impacted by your location, our research shows that those with a KT postcode are the top credit scorers in the UK, scoring 17 points higher than the UK average. This means that they are some of the most attractive customers to lenders, as their level of risk is typically less than those with lower scores.”

“There are many ways you can boost your score though. The simplest one is ensuring you are registered to vote on the electoral roll. It may not sound that significant, but it can have a huge impact – it confirms your name and address which is essential for lender verification processes can help too, as it shows lenders you are reliable and unlikely to default.”

Postcodes with the highest credit scores:

Location	Average Credit Score
KT – Kingston upon Thames	586
GU – Guildford	584
RG – Reading	583
RH – Redhill	582
HG – Harrogate	581

Postcodes with the lowest credit scores:

Postcode	Average Credit Score
SR – Sunderland	552
DN – Doncaster	554
WV – Wolverhampton	555
FY – Blackpool ML – Motherwell	557
NP – Newport	558