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How to check your credit score for free

Find out what your credit score means, and the services that allow you to check it for free.

In this article
What is a credit score? Why does my credit score change on different sites? What affects my credit score? How do I check my credit score for free? How to get your Experian credit score for free
How to get your Equifax credit score for free How to get your TransUnion credit score for free What is a good credit score? Credit checks: which lenders use which credit reference agency? Coronavirus: will payment holidays affect my credit score?

What is a credit score?

Your credit score is a three-digit number that indicates how reliable you are at borrowing and repaying money.

The rating is calculated using a points system based on the information in your credit report which can reveal how you've managed your debts and bills in the past.

Credit reports are compiled by credit reference agencies - the three main agencies in the UK are Experian, Equifax and TransUnion. 

There's no such thing as a universal credit score. Each lender has its own system in place to decide whether or not to accept you as a customer, meaning you could be turned down by one, but successful with another. 

Why does my credit score change on different sites?

To give you a better idea of how your application might be viewed by lenders, credit reference agencies produce their own version of your credit score.

The higher this number, the higher your chances of getting access to market-leading credit deals - but a good credit score from a credit reference agency is no guarantee that your application will be successful.

And confusingly, each credit reference agency uses a slightly different scale. For example, a score of less than 560 is 'very poor' with Experian, but 'good' with Equifax.


What affects my credit score?

Your score will ultimately be based on how responsibly you use your credit facilities.

For example, you lose 130 points with Experian if you fail to pay a bill on time but will gain 90 points if you use 30% or less of your credit card limit.

Like lenders, each credit reference agency has its own system for assessing your creditworthiness and will take into account different factors when calculating a score.

However, certain things will have a negative impact on your score regardless of the agency - for example, not being on the electoral roll, or making a late payment.

Bear in mind that the timing of entries in your report is more important than the type of activity.

Lenders are most interested in your current financial circumstances, so a missed payment from a few years ago is unlikely to scupper your chances of getting credit.

How do I check my credit score for free?

You have a legal right to access your credit report for free from any credit reference agency. These statutory reports offer a snapshot of your credit history and don’t include a credit score.

But the three main credit reference agencies all offer more comprehensive services for a monthly fee.

These provide unlimited access to your credit report, plus extra features, such as a score and alerts when major changes are made to your report.

However, it's now possible to access both your credit report and score without having to pay for a subscription. 

How to get your Experian credit score for free

The largest credit reference agency offers new customers a free 30-day trial of its CreditExpert service, which gives you access to your credit report, score, and email alerts about any changes on your file.

After the trial ends, it will cost you £14.99 a month.

You can access your Experian credit score through a free Experian account. This is designed to help people shop around to see how they can save money by comparing credit deals based on their financial profile.

Once you've signed up, your score will remain free to access, but unlike the paid-for CreditExpert service, you won't be able to see your credit report.

To be able to access both your Experian credit report and score for free, you can sign up to the Money Saving Expert Credit Club.

You can also see how likely you are to be accepted for the market-leading cards and loans and work out how much you can afford to borrow.

Unlike CreditExpert, you won't receive alerts about any changes to your report.

Experian's credit score scale


How to get your Equifax credit score for free

Like Experian, Equifax offers a free 30-day trial of its full credit monitoring service. It costs £7.95 a month after the free trial.

Alternatively, you can get your Equifax report and score free through ClearScore.

The company makes its money from commission on products you take out via its website.

Equifax's credit score scale

How to get your TransUnion credit score for free

You can access your TransUnion report and score for free via its Credit Karma (formerly called Noddle) service. This also advertises loans and cards you are likely to be accepted for.

Signing up to a free trial with CheckMyFile will give you access to all the information held on you by TransUnion, Experian and Equifax for 30 days.

After this, you’ll have to pay £14.99 a month to keep the service.

TransUnion's credit score scale

What is a good credit score?

Each credit reference agency uses its own scoring system. The table below shows the scale each one uses and what a particular score means in terms of your creditworthiness.

  Experian Equifax TransUnion
Maximum score 999 1,000 710
What your score means Very poor 0 - 560 Poor 0 - 438 Very poor 0 - 550
Poor 561 - 720 Fair 439 - 530 Poor 551 - 565
Fair 721 - 880 Good 531 - 670 Fair 566 -603
Good 881 - 960 Very good 671 - 810 Good 604 - 627
Excellent 961 - 999 Excellent 811 - 1,000 Excellent 628 - 710


Credit checks: which lenders use which credit reference agency?

Checking your credit report is an important part of maintaining your financial health. It'll allow you to pick up on any mistakes - or even fraudulent applications - that could hinder your chances of getting credit. 

If you spot any errors you should get them corrected. But sometimes credit report mistakes can remain for far longer than they should. Some Which? members have told us it took months before their report was updated. 

As different agencies hold different information, it might be possible to pick a lender that uses an agency you know you have an up-to-date credit report with.

We asked credit card, loan and current account providers to reveal which agency they use. Check out the table below to see what they told us.

Bank  Experian Equifax  TransUnion
Bank of Ireland    X  
Barclays X X X
Co-op Bank X    
First Direct X X X
Lloyds Group (includes Halifax, Lloyds and Bank of Scotland) X X X
Monzo X X X
Nationwide X    
Santander  X    
Virgin Money      

Date correct as of May 5, 2022

Natwest and M&S Bank would not reveal which credit reference agency they use. 

Coronavirus: will payment holidays affect my credit score?

Payment holidays were introduced in March 2020 to help borrowers struggling with the impact of the coronavirus pandemic.

Applications for formal payment holidays were set to close on 31 October 2020, with banks agreeing to offer ‘tailored support’ to borrowers who needed it thereafter.

But on 2 November 2020, the Financial Conduct Authority (FCA) announced proposals to extend mortgage payment holidays. The following day, it announced plans to also give other borrowers affected by the coronavirus crisis further support.

In its proposals, the FCA says firms shouldn’t report those in receipt of a payment holiday up until 31 January 2021 as having a missed payment on their credit record.

However, those who have already had two payment holidays – and high-cost, short-term credit customers who have already had one – would not be eligible for any additional payment deferrals and must instead talk to their lender about getting ‘tailored support’.

This tailored support may be reported on a customer’s credit file, but lenders should always inform you as and when this is the case.

Find out more: will a coronavirus payment holiday impact your credit score?