The recent years how consumers spend and use credit has changed. Here's a breakdown of the best (and worst) UK scores, where those people live, and what male and female names are more likely to have good or bad credit.
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The last several years have seen many changes to the global economy, particularly in terms of how consumers spend and use credit. It appears that since 2009, consumer credit scores in the UK have been increasing. Here’s a breakdown of whose scores are the best (and worst), where they live, and how something as simple as a consumer’s name could affect their credit score.
+1.3% = Overall change in average credit score from 2009
+1.0% = Change in average credit score for male consumers
+1.5% = Change in average credit score for female consumers
69.1 = Average 2012 credit score
Though average credit scores typically increase by age, the gap between young and old is closing. Younger adults have increased their credit ratings over the last three years while older adults have slipped slightly.
2012 Average Credit Score
% Change 2009-2012
Southern and eastern England both saw credit scores increase substantially over the last three years, compared to other regions that all saw scores fall.
Area With Best Score = Channel Islands (71.5)
Area With Lowest Score = Lancashire (68.5)
East Of England
Wales and West
Statistically, people named Brian or Helen Edwards are more likely to have higher credit scores, whereas Daniel or Lisa Thompson are more likely to have lower scores.
Male Names with Best Credit Scores
Male Names with Poorest Credit Scores
Female Names with Best Credit Scores
Female Names with Poorest Credit Scores
Last Names with Best Credit Scores
Last Names with Poorest Credit Scores
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