PEOPLE living in Warrington have some of the highest average credit scores in the north west, according to a new survey.

Analysis of more than 200,000 credit reports from MoneySuperMarket reveals residents in the town have the seventh highest average credit score in the region at 565 out of a possible 710 points – but that is still four points lower than the UK average.

The website says while an individual’s credit score is not only directly influenced by their location alone, there are a number of factors that can affect this.

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Places in London and the south east were among the highest rating. People in Kingston with a KT postcode had the highest rating in the UK.

By contrast, those living in parts of the north of England and the midlands have some of the lowest credit scores in the country.

Sally Francis-Miles, money spokesperson at MoneySuperMarket, commented: “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.

“Additionally, using free-to-use monitoring services, such as MoneySuperMarket’s Credit Monitor can help you keep an eye on your own credit rating and offer personalised tips on how you can increase your score.”