The Good Credit Index

This report from the UK think tank Demos is the first to map the UK’s credit environment.

This report finds 29 ‘credit deserts’, where people struggle to access affordable credit despite a clear need for it. The Good Credit Index, made possible by NewDay, a leading UK consumer finance provider, combines 21 datasets, including credit scores, local high street provisions, data from county courts and web searches to give the clearest idea yet of how the area you live in affects your ability to get affordable credit. While there are many ‘credit havens’, where there is a low credit need and a plethora of affordable credit options, there are also ‘credit deserts’, marked by limited access to sustainable credit options, where people have little choice but to turn to high cost, short term credit providers, like payday lenders and pawn shops.

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