The thimbl Credit Confidence Survey
In 2026, thimbl surveyed 318 of our customers to understand their views on credit and their confidence when it comes to managing their finances.
We’ve collated the results below, to highlight some of the key findings from the survey.
The survey reflects the views of the customers who responded and is not intended to be representative of the wider UK population.
| Question | Proportion of Yes | Proportion of No |
| 1. Do you know your current credit score? | 60.38% | 39.62% |
| 2. Have you ever checked your credit report? | 74.21% | 25.79% |
| 3. Do you feel confident that you understand the factors that can affect your credit score? | 83.02% | 16.98% |
| 4. Have you ever worried about your credit score? | 64.78% | 35.22% |
| 5. Do you feel that you are aware of the actions you could take to improve your credit score? | 80.50% | 19.50% |
| 6. Have you ever avoided checking your credit score because you were worried about what it mights show? | 43.40% | 56.60% |
| 7. Have you ever avoided applying for credit because you were worried your credit score would be too low? | 57.86% | 42.14% |
| 8. Have concerns about your credit score negatively impacted your financial confidence in the past 12 months? | 48.43% | 51.57% |
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