Check Your Credit Score — Free
Your credit score affects the mortgage rates, loans, and credit cards you can get. Knowing your score before you apply can save you thousands. The good news? Checking is completely free.
Where to check your score
All four services are completely free. We recommend checking two or three for the full picture.
ClearScore
Free credit score and report, updated weekly. See your Equifax data.
Experian
The UK's largest credit reference agency. Free monthly score check.
MSE Credit Club
MoneySavingExpert's free tool using Experian data. Great for mortgages.
Credit Karma
Free TransUnion data with personalised product recommendations.
How to improve your credit score
Terry's top tips — tried, tested, and proven to work
Register to vote
Being on the electoral roll proves where you live and boosts your score fast.
Use credit lightly
Keep your credit utilisation below 30% of your limit on each card.
Pay on time, every time
Set up direct debits — even one missed payment stays on your file for 6 years.
Check for errors
Mistakes on your credit file are common. Dispute anything wrong immediately.
Break financial links
Disassociate from ex-partners or housemates — their bad credit can affect yours.
Avoid too many applications
Space out credit applications. Multiple hard searches in a short period harm your score.
Ready to get a mortgage?
Once you know your credit score, let us match you with the right mortgage adviser.
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