FREE Credit Score - Free Credit Rating Score

What’s Your Credit Score? Find out for FREE

Get your Credit rating scores totally free of charge from all three of the Uk Credit reference agencies. No Subscriptions, No hidden charges. Find out what your Credit Score is today for free.

Check your Credit Score for FREE

You can check your credit score for free with all three of the UK Credit reference agencies. There are no sign up fee;’s or subscriptions required. If you want to find out what your Credit score is, click here

Free Credit Scores

Everyone has a credit rating

Everyone in the UK has a credit score. We’re not talking just about the credit score a credit reference agency gives you when you login.

Your credit rating is going to determine if you are accepted for credit or not.

It could help determine if you are offered a job or not.

It could also be the difference in you being able to pay for your Car or Home insurance monthly rather than all in one go.

Your Credit rating is not just a random number, it’s made up with thousands of pieces of information.

Your Credit rating is made up from your Age, Your Income, the way you manage your finances, your Employment status and more.

However, your Credit rating is not affected by your Race, Religion or Colour.

Your Credit rating can go up and down

Credit ratings will go up and down depending on a range of different circumstances.

You may for example apply for a credit product and this could see your credit rating fall slightly (but only for a short time).

Each new credit account you open will cause your Credit rating score to fall slightly before it recovers.

You can help improve your credit rating by only opening and applying for products you need.

Keep your debts as low as you possibly can and try to make more than the minimum repayments each month.

How to improve your credit rating

If you have missed repayments or made too many applications for credit for example, your credit rating may damaged slightly.

You can start to rebuild your credit rating whenever you choose.

The credit scores credit reference agencies give you…

A Credit Score presented by the Credit Reference agencies represents the way they see your current Credit rating.

It’s by no means an indication if you will be accepted for credit or not.

Remember, Credit reference agencies don’t lend money, so the score is by no means a real true reflection of your credit rating.

Your credit score with the credit reference agencies can differ. There are 3 credit reference agencies in the UK.

Call Credit, Equifax and Experian.

Sometimes lenders may only report account data to one or two of the credit reference agencies rather than all three.

The total credit score credit reference agencies give also differs.

Equifax and Call Credit will score you out of 750 whilst Experian score you out of 999.

Each credit reference agency will also put you into a band, usually these bands will show your credit score as either very poor, poor, fair, good or excellent.

Of course, we all want to be seen as Credit Worthy, we all want to reach that Excellent mile stone.

So first, let’s discover what your actual Credit Rating is going to be used for.

What use does the Credit Reference agency credit score have?

When you apply for a Job, want to take out Insurance or even just want to move house, your Credit Rating Score could be used. You could end up paying more for products and services with a low credit score. You could even be stopped in your tracks in terms of getting Jobs or being able to move.

So taking the positive steps today could help you in the future

Have you ever wondered what your Credit score actually means?

Search online and you will get a mixed response, Some people will tell you to ignore your Credit Score and others will try and improve their score.

Importantly, everyone should take some notice of their Credit Score.

It’s not a score to evaluate predictions on being accepted for credit, but more an indication of how you are doing.

There are so many theories around about your Credit Score, it’s hard to know what your Credit Score actually means.

Is it a way for Credit Reference agencies just to make extra money or will it actually help you get accepted for credit?

Will your Credit Score actually help you get accepted for credit ?

credit scoring how it works

The truthful answer is no.

Credit Reference agencies do not lend money, they simply review your details, your financial conduct, the number of Credit Searches you have made then score you against the millions of other customers they hold details on.

However, when you apply for Credit, the Company is likely to carry out a credit check.

A Credit check will request information about you to one, two or all three of the UK Credit reference agencies.

They don’t ask for the Credit Score you are seeing, simply because they will use the information they receive from the Credit reference agencies along with the information you provide in your application to score you themselves.

Therefore, the score from the Credit Reference agency doesn’t mean you will be accepted or rejected for credit.

The Credit Score Provided is an indication to you on what your Credit Rating is…

However, the score does have some meaning.

The Credit Score is an indication to you about your own performance.

If one is attempting to rebuild their credit after previous problems for example then score has some relevance.

You can use it to see what areas of your credit report need working on.

For example, it may say Try to apply for less credit, or use less credit on your credit card.

Simple but important steps that do matter to companies when you apply for credit.

Try to build up your Credit Score

As the Credit Score gets higher, you can have a warm feeling that potential lenders will start to see you in a more positive light.

Even if you have an excellent Credit Score on all three credit reference agencies, this doesn’t mean you will be approved, there are several other things lenders look at.


Affordability is one of the main obstacles in people getting credit.

It’s all well and good having a perfect 999 Credit score but if your income suggests you would struggle to make repayments on time a lender is not going to approve you for the credit you want.

Poor Credit can be approved

In this instance a lender willing to take some risk on will in some cases approve someone with poor credit if they have a disposable income.

Remember, each application is actually considered on a range of information, the information you provide in your application, your age, you current debt levels, how you manage credit elsewhere, your living arrangements and even your employment status.

Check your credit rating for free

Check your Credit Report FREE*

  • Free access applies to Noddle (for your Call Credit Report) and Clear Score for your Free Equifax Credit Report.

What does your Credit Score mean?

Credit 4 Everyone