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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
Coronavirus (COVID-19) credit score update  What is a credit score? What affects my credit score? How do I check my credit score for free?
Free credit scores from Experian Free credit scores from Equifax/ClearScore Free credit scores from TransUnion (formerly Callcredit)/Credit Karma What is a good credit score?

Coronavirus (COVID-19) credit score update 

Credit reference agencies have promised credit scores will not be affected when people take payment holidays during the coronavirus outbreak. 

You can find more of the latest updates and advice related to the COVID-19 outbreak over on our dedicated Which? coronavirus information hub.

What is a credit score?

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. 

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

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. 

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 the best credit deals - but a good 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 'excellent' 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 now 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. 

Free credit scores from Experian

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 free forever, you can sign up to the Money Saving Expert Credit Club.

You can also see how likely you are to be accepted for the best rates on 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.


Free credit scores from Equifax/ClearScore

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 for life through ClearScore.

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

Free credit scores from TransUnion (formerly Callcredit)/Credit Karma

You can access your TransUnion (formerly Callcredit) 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 (formerly Callcredit), Experian and Equifax for 30 days.

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

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.

How do credit agencies score you?
CRA Experian Equifax TransUnion (formerly Callcredit) /Credit Karma
Maximum score 999 700 710
What your score means Very poor: 0-560 Very poor: 0-278 Very poor: 0-550
Poor: 561-720 Poor: 279-366 Poor: 551-565
Fair: 721-880 Fair: 367-419 Fair: 566-603
Good: 881-960 Good: 420-466 Good: 604-627
Excellent: 961-999 Excellent: 467-700 Excellent: 628-710