AI Credit Score Roadmap
Answer 6 quick questions — get your personalised credit recovery plan
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Your credit score range depends on your country
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Quick Credit Assessment
5 questions to build your personalised roadmap
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The Credit Repair Blueprint gives you exact letter templates and dispute scripts to remove negative marks from your credit file.
Get the Blueprint — £17 →This tool provides general educational information only. It is not financial advice. Credit improvements depend on individual circumstances. DebtShift is not a lender or credit broker. UK: based on Experian scoring. US: based on FICO scoring model. Canada: based on Equifax/TransUnion scoring.
Frequently Asked Questions
Everything you need to know about credit scores
What is a good credit score in the UK?
In the UK, a good credit score varies by bureau. With Experian, 881–960 is good and 961–999 is excellent. With Equifax, 420–465 is good and 466–700 is excellent. With TransUnion, 604–627 is good and 628–710 is excellent.
What is a good credit score in the US?
In the US, FICO scores range from 300 to 850. A score of 670–739 is considered good, 740–799 is very good, and 800 and above is exceptional. Most lenders look for at least 670 to offer competitive rates.
How long does it take to improve your credit score?
Most people see noticeable improvement within 3 to 6 months of consistent positive action — paying on time, reducing balances and fixing errors. Significant improvement from a poor score to a good score typically takes 12 to 24 months.
Does paying off debt improve your credit score?
Yes — paying off debt reduces your credit utilisation ratio, which is one of the biggest factors in your score. Paying off a credit card or loan can improve your score within one to two billing cycles.
What hurts your credit score the most?
The biggest factors that damage your credit score are missed or late payments, high credit utilisation above 30%, defaulting on loans, county court judgements (CCJs) in the UK, and applying for too much credit in a short period.
How do I check my credit score for free?
In the UK you can check for free with ClearScore (Equifax data), Credit Karma (TransUnion data) or Experian free tier. In the US you can use Credit Karma, Credit Sesame or annualcreditreport.com for your full reports from all three bureaus.
Does checking your credit score lower it?
No — checking your own credit score is a soft inquiry and does not affect your score at all. Only hard inquiries from lenders when you apply for credit can temporarily lower your score by a few points.
What credit utilisation should I aim for?
Aim to keep your credit utilisation below 30% of your total available credit. For the best possible score, keep it below 10%. For example, if your credit limit is £1,000, try to keep your balance below £300 — ideally below £100.
Can I improve my credit score while in debt?
Yes — you can improve your credit score even while carrying debt. The key is making every payment on time, reducing your balances gradually and not applying for new credit unnecessarily. Consistent payment history is the most powerful factor.
How accurate is the DebtShift Credit Score Roadmap?
The DebtShift AI Credit Score Roadmap is based on widely accepted credit improvement principles used by financial experts. It provides personalised guidance based on your current score and situation. It is for educational purposes and individual results will vary based on your specific credit history and actions taken.