Men called Daniel have the worst profiles. Women called Helen have the best credit records among females, while Lisas have the poorest.

Your credit profile is a record of your history as it has been reported to the credit reporting agencies by lenders who have extended credit to you.

The research analysed data from thousands of its customers who have used its free Credit Card Matcher Tool this year to reveal the names with the best and worst credit profiles in the UK.

When it comes to surnames, people with the last name of Edwards have on average the best credit profile in the UK. The surname with the lowest average credit profile is Thompson.

Nerys Lewis, head of credit cards at Confused.com, said: “While our research shows the names with the best and worst credit profiles in the UK, people’s names are obviously not a rating factor when looking at credit. So if you’re called Brian you won’t automatically be gifted with a great profile, or penalised because your name is Lisa.

“We would encourage people to think about their credit history as a good or bad score can have a number of implications, such as your likelihood of acceptance for credit cards and also loans and mortgages.”

The research also revealed that where you live could affect the outcome of an application for a credit card or personal loan.

The UK postcode with the highest average credit profile among its residents is SL4 in Slough.

Meanwhile, SA1 in Swansea – the postcode with the poorest average credit profile – has a score 10% below the national average.

The research shows that age also makes a difference when it comes to credit scores as on average people’s credit history improves as they get older.

Average scores for those aged 65 and over are 8% higher than the national average. While the age bracket with the worst average credit profile is 18 to 24 – 4% lower than the national average.

Lewis continued: “There are certain things you can do to improve your situation if your credit history is non-existent, or not quite up to scratch. For example, a credit building card may be one option.

“By using a credit building card sensibly, you demonstrate to lenders, such as banks, that you can borrow and pay back money responsibly. This in turn helps to build up your credit history.”

Confused.com’s Credit Card Matcher Tool allows people to check their likelihood of acceptance for a credit card before they apply.

Lewis adds: “By using our free Credit Card Matcher Tool, people can potentially avoid a negative credit card application. If you apply and are not accepted then a lot of people aren’t aware that this can harm your credit score.”