There's not a universal credit score in the UK. There are a bunch of providers who will try and sell a score to you, but the actual score can vary greatly from

There's not a universal credit score in the UK. There are a bunch of providers who will try and sell a score to you, but the actual score can vary greatly from provider to provider and guarantees nothing in terms of getting accepted for credit. Banks giving out loans will look at the data behind the score along with a bunch of other factors. It's very possible that if Experian say person A is average and person B is good, a bank may decide to give Person A a better rate on a loan based on different data, or different weighting of the data.