Credit reference agencies compile information about your financial history – known as a credit report – and use it to generate a credit score. If your score isn’t what you were expecting, make sure there aren’t any irregularities in your credit report. Credit Scores, Reports & History | Equifax UK Our website uses cookies and one or more will have already been set when you landed here. A good score can help you get approved for credit cards, loans and mortgages, while a bad score can stop you getting approved. Your credit score will often dictate whether you are able to borrow money, as well as how much, so knowing your score can be essential. It used to be known as Callcredit. https://www.hsbc.co.uk/credit-cards/how-to-check-your-credit-report Checking your credit score annually means you can keep on … Protect yourself against fraud & see how lenders may view your credit worthiness for credit cards, loans & mortgages. https://www.nerdwallet.com/uk/personal-finance/how-to-check-your-credit-score Each major credit reference agency (CRA) offers a free service online – Clearscore (uses Equifax data), Credit Club (uses Experian data), and MSM Credit Monitor (uses TransUnion data). In the UK, there's no uniform credit rating or score, and there's no blacklist of banned people. How your credit score is shown. Checking your credit score is easier than you think (Picture: Ella Byworth for Metro.co.uk) Credit scores are the ultimate letters of recommendation – they tell lenders how reliable you are. You don’t have to pay to see your credit report anymore. 2. Regardless of which numbers are used, the higher the score you get, the better your credit score is. This means just because one lender has rejected you, it doesn't automatically mean others will. You can cancel at any time. If the UK allows you to register to vote then this will really bump your score (if you can't tell the credit score provider), if your bank account is with someone like Monzo consider getting a high street bank, look at getting an entry credit card to help build. Unlimited access to your latest credit report and score ; Easy to understand with actionable tips to help you improve your credit score; Identify and fix any errors on your credit report; Get your FREE* Equifax Credit Report & Score *Your first 30 days are free then it’s £7.95 per month. Your TransUnion credit score. Each lender scores you differently and secretly. Small mistakes on your credit report can also affect your score, so be sure to update the agency if anything is wrong. 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