Experian Credit Score — June 2026
Very Poor
Fair
Good
Excellent
Score Summary
Your credit is in good shape
Up 18 points this month. You're on track to reach Excellent (800+) by September 2026 if you keep your current payment habits.
Very Poor0 – 560
Fair561 – 720
Good ← You721 – 880
Excellent881 – 999
Last updated 14 June 2026 · Next update in 16 days
12-Month Score Journey
↑ +87 points in 12 months
Jul'25AugSepOctNovDec
Jan'26FebMarAprMayJun
Score Factors
View full report →
Payment History
On-time payments
Excellent
96% on-time · 0 missed in 2 years
Credit Utilisation
Balance vs limit
Good
28% used · Keep below 30%
Credit Age
Oldest account
Fair
4.5 years average age
Account Mix
Types of credit
Fair
2 credit cards, 1 loan
Hard Searches
Credit applications
Good
1 search in 12 months
Derogatory Marks
CCJs, defaults
Clean
Zero defaults or CCJs
Improvement Actions
View all actions →
Reduce credit card balance
Pay down your Barclaycard from £840 to below £720 to drop utilisation under 24%.
Estimated Impact
↑ +12 points
+500 HMP reward
Register on electoral roll
Being on the electoral register at your current address can improve your score quickly.
Estimated Impact
↑ +25 points
+1,000 HMP reward
Don't apply for new credit
You have 1 hard search from March 2026. Wait 6 months before any new applications.
Timeline
→ 5 months left
Auto +200 HMP
Set up direct debits
Automate all minimum payments to protect your perfect payment history going forward.
Estimated Impact
↑ Protect +96%
+250 HMP reward
Recent Alerts
Manage alerts →
Score increased by 18 points
Your Experian score rose from 706 to 724 following your on-time payment on the Barclaycard.
14 June 2026
Credit utilisation approaching 30%
Your Barclaycard balance is at 28% of your limit. Staying below 30% protects your score.
10 June 2026
Payment recorded on time
HSBC current account minimum payment of £0 confirmed. Zero missed payments streak continues.
1 June 2026