Checking your credit score, step by step
Each agency asks for your details and checks who you are before it shows you your report and score. Checking all three shows you what any lender might see.
Explore the topic
Credit reporting foundations
Understand what credit reports contain, how scores work and where your information comes from.
9
pieces of guidance
Credit reports and scores — the basics
Your credit health is the full picture of how you handle borrowing — not just a number. It influences mortgages, loans, tenancies and sometimes even job…
Reaching a 999 credit score
999 is the top of TransUnion's scale, but not of Experian's or Equifax's. What a top score means, and the habits that get you there over time.
Statutory credit reports and how to request one
A statutory credit report is a free record from Experian, Equifax and TransUnion showing six years of credit history. It doesn't include your credit score.
The factors behind your credit score
Anything that makes your financial behaviour look stable, predictable and easy to verify helps your credit score. Anything suggesting uncertainty or…
What counts as a good credit score
Every credit reference agency uses its own range and its own method, so your score differs depending on where you check. What lenders actually assess is…
Where a 600 credit score sits in the UK
600 sits just under halfway on Experian's scale and a little over halfway on Equifax's and TransUnion's. Lenders never see your score anyway. They see your report.
Who supplies your credit report data
The information on your credit report comes from third parties — lenders, banks and financial institutions, service providers, public records and fraud…
Why your score varies between agencies
UK credit scores differ across Experian, Equifax and TransUnion because each holds different data and uses a different model. Checking your report regularly…