Tell us about you
Weâll need some information about you such as your name and address. With your personal details, weâll be able to find your personal credit score.Â
What is a credit score?
Your credit report is a record of your financial history and lending obligations in one place, from debts you owe to your bill payment history. It's also where your financial links with other people show up, like your partner.
If you've made late payments on a phone bill, have a County Court Judgement (CCJ), or declared bankruptcy it's all visible on your credit file for future lenders to view when assessing your eligibility for borrowing, such as credit cards, mortgages or loans.
What is a credit check?
A credit check is when a company, like a bank or loan provider, views your credit report to see how well you're managing your money and available credit.
Some companies, like MoneySuperMarket, carry out 'soft' credit checks which don't show up on your credit file, whereas when you apply for lending directly from a company, they often perform a 'hard' credit check which shows up on your credit file.
It's free to check your credit score and a great way of understanding how your credit history might impact future borrowing, such as for a mortgage.
How to check your credit score
Your credit score is important when it comes to applying for credit. With Credit Score you can check your score and get tips on how to boost it â all for free.
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View your score
Find out your credit score and how you can boost or maintain your credit rating.Â
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See loan and card deals
Weâll use your credit score to show you loans and credit card offers youâre more likely to be accepted for.Â
What are the advantages of using Credit Score?
There are several reasons to use Credit Score to check your credit score, including:
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Check your score for free
You wonât have to pay a penny when you check your credit score with us. We also carry out a soft search which wonât affect your credit rating.
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Get free tips to boost your scoreâŻ
Find out how to improve your credit score for free with our tips and guides thatâll get you clued up on credit.
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Increase your chances of approval
Following our tips could help you bump up your credit score and, in turn, increase your chances of approval. An improved credit score will give you benefits such as better interest rates.
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See personalised offersâŻ
Weâll show you the credit card, loan and mortgage deals youâre most likely to be approved for if you apply.âŻÂ
How can I benefit from a better credit score?
A good credit score makes borrowing cheaper and easier, while also saving you money in other areas. Benefits include:
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Insurance
Lower premiums when paying monthly, as insurers see you as less risky
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Mobile phone contracts
More chance of securing the latest phones on affordable deals, rather than being restricted to pay-as-you-go
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Mortgages
Access to the best mortgage rates, helping you save thousands over the term of your loan
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Car finance
Easier approval with lower monthly repayments and more choice of finance options
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Utilities
Avoid upfront deposits and unlock better energy or broadband tariffs
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Credit cards
Higher credit limits, lower interest rates, and access to rewards or cashback deals
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Loans
Borrow larger amounts at cheaper rates, with more lenders willing to approve your application
What information is on my credit report?
Personal information, like address histories
Your name, date of birth and address are all found on your credit file.
If you spot mistakes, you can have them corrected and make your report more consistent.
Open and closed accounts, and how long you've had them
Your credit report will typically include the following, whether they're open or closed:
Phone contract
Utilities
Mortgages
Loans
Current accounts, including your overdraft
Credit cards
Other credit agreements
It'll detail what you owe, the payments you're making, and how well you're managing your credit.
Keeping an eye on accounts open in your name can help you identify and tackle fraud.
If you suspect you've been the victim of identity theft, you should contact your bank and card providers immediately and change all your account passwords.
You can also report it to Action Fraud using their online reporting tool, or by calling 0300 123 2040 Monday to Friday 8am - 8pm. If you are calling from abroad please call +44 300 123 2040.
Your financial links to other people
'Connected persons' will show up on your credit file if you:
Open a joint bank account with them
Apply for credit together, such as a mortgage or credit card
Potential credit lenders may check the credit history of someone youâre financially linked to because your financial associates may affect your ability to repay debt. However, renting a flat with someone is unlikely to create a financial association.
Public records, like insolvencies and Cifas flags
Bankruptcies, CCJs, insolvencies, judgements, and Cifas flags show up on your credit file, and can impact your eligibility for certain forms of lending.
If you want to learn more about judgements, read about how long CCJs and bankruptcies remain on your credit file.
Credit score insights
Credit score insights give you a clear picture of your financial habits â highlighting both the positives and the areas to work on.
You might see strengths such as being registered to vote, paying on time, or keeping your credit use low. But you could also spot things holding your score back, like missed payments or high balances.
By understanding whatâs helping and whatâs hurting, you can take simple steps to improve your credit rating and boost your chances of getting better deals and lower interest rates.
How to improve your credit score
There are steps you can take which will improve your credit score. Some work quickly while others will have an impact over time. These include:Â
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Register on the electoral roll
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Correct errors on your report
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Pay bills on time
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Don't exceed agreed overdraft or credit limits
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Close old credit accounts you no longer use
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Clear public records quickly, such as any outstanding CCJs
Super Save over and over again
Our job is to save you money, because there are always more ways to Super Save.
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Car Insurance
Super save on your car insurance
We compare over 110 leading brands to find the cheapest policy for your needs
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Credit cards
Weâre helping to guard your credit score
See your chances of being accepted for a card - all while protecting your credit score and data
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Loans
Lighten the load with a loan
When you compare with us, we can show loans youâre likely to be accepted for
Did you know?
Being on the electoral roll could give your credit score a boost. According to MoneySuperMarketâs research, people registered on the electoral roll have on average, a higher credit score by 41 points. Whatâs more, is that when looking at voter registration data from the House of Commons Library, MoneySuperMarket estimates that Britain could raise its collective credit rating by 209 MILLION just by registering to vote.
Our expert says…
An impaired credit score can make life quite hard. Conversely, a good credit score unlocks better rates on loans and credit cards. For that reason, itâs vital you keep on top of your rating. Use our Credit Score tool to check your report regularly and weâll keep you in the loop and give you suggestions about how you can improve your credit score.
Victoria Russell General Manager - Commercial
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
94% of Brits donât realise former flatmates could be affecting their credit scores
With UK rents at record highs
If youâve ever taken out a joint financial product - like a shared bank account, loan, or utility bill - your credit record could be linked to your housemateâs. And with only 8% of renters saying they actually trust their flatmates financially, thatâs a risk worth knowing about.
Why does it matter? Because if your flatmate misses payments or racks up debt, that financial link can hurt your credit score too - making it harder to get a loan, mortgage, or credit card.Â
And the damage isnât just short term: unless you remove the connection, their money mistakes could still affect you years later. The good news is that the fix is simple: if youâre no longer linked, you can file a ânotice of disassociationâ with the credit reference agencies so your record stands alone.
Check your UK credit score today with MoneySuperMarket
It only takes a few minutes to check your credit score with Credit Score. Using our free credit score and reporting service can help:Â
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Grow your score, one day at a time
Look as often as you like without damaging your score.Â
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Check your report and score
Weâll keep an eye on your file and alert you to any suspicious activity. Â
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Protect your financial wellbeing
Weâll send you regular updates and free tips to help you grow your score.Â
Is Credit Score free?
Credit Score is 100% free to use. We wonât charge you for checking your report. You can also access exclusive perks with SuperSaveClub
How many times can I look at my report?
Credit Score gives you free access to your credit report and credit score, meaning you can look at it as often as you want. Your credit score and the information in your report will be updated monthly, so itâs advisable to check it regularly, in the same way as you would your bank statements or utility bills.
How frequently does my credit report get updated?
Your credit report refreshes on a monthly basis so itâs a good idea to keep checking it regularly so you can ensure that the data in it is accurate.
Why is my credit score different here to elsewhere?
Each credit reference agency has its own way of calculating a credit score based on the information it holds, which means your credit score canât be compared between different agencies. TransUnion, the credit agency that our Credit Score uses, has a maximum score of 710.
Why does my credit score matter?
Having a good credit score can give you better options when it comes to applying for credit â and it's worth noting that your score can affect more than just your finances.
Because your credit score is a gauge of how responsibly you manage your financial accounts, a high score will give a lender confidence that youâll pay back whatever you borrow.
As well as improving your chances of being accepted for credit, a good credit score can also affect other areas of your life, such as renting a flat, qualifying for certain jobs, or securing favourable insurance rates.
Additionally, it can help you access more competitive interest rates on loans and credit cards, giving you both financial and practical advantages.
Why do you need to know your credit score?
If you know your credit score, you can make sure itâs at the best possible level. By checking your score for free with Credit Score, youâll know where you stand when it comes to applying for a credit card, loan, or even a mortgage. If you have a good score, we can show you what youâre doing right so you can keep it that way. If yours is lower than youâd like, weâll show you what you can do to help build it up.Â
What is a soft credit check?
A soft credit search is a check on your financial history that wonât leave a mark on your credit rating. Soft searches are used so you can get an idea of the products you are likely to be approved for before making an application. Â
When you make the application a âhard credit searchâ will be undertaken. While they are necessary to be accepted for credit cards, loans and mortgages, too many searches within a short period can damage your credit score. This is why a soft credit search can be useful.Â
What is considered a good credit score?
A good credit score is a credit score that will allow you to take advantage of better deals on credit than those with a medium or poor credit score. Â
While scores differ between credit agencies â and financial product providers use their own scoring system â you can get a good steer by using MoneySuperMarketâs Credit Score â which uses the TransUnion agency. Â
TransUnion has a maximum score of 710 and anything over 566 is rated âpretty goodâ. Our guide on What is a good credit score? gives more information.Â
What is considered a bad credit score?
As with a good credit score, each credit rating agency and product provider will have their own range of credit scores and they all differ slightly. Â
Using MoneySuperMarketâs Credit Score can give you a good guide. Credit Score uses the TransUnion scoring system, which goes up to 710. A score of 550 or lower would be considered a low credit score.Â
Top tips to boost your credit score
If your credit score isnât as high as youâd like â donât panic. Itâs not the end of the world, and there are lots of things you can do to give it a boost.
Make sure youâre registered on the electoral roll
The electoral roll is a list of the names and addresses of everyone whoâs registered to vote in the UK. When you register, your details will be recorded on your credit report, and this helps lenders to confirm your name and address. Your score is likely to go up as a result of this.
Pay your bills on time
One of the things that affects your credit score is how reliable you are when it comes to paying your bills. You can give your credit score a boost by making sure you pay all your bills on time every month. This covers all your monthly bills, including your utilities, as well as your credit card and loan repayments.
Pay off your debts
It may be easier said than done, but paying off more than the minimum payment on your credit cards each month shows lenders that youâre managing your debt well. If youâre seen to be handling your credit responsibly, your score will go up and lenders will be more likely to see you as a reliable potential customer.
Close any credit cards or accounts you donât use anymore
If youâve got a credit card that youâre no longer using, it could have a negative effect on your credit score. This is because having a large amount of available credit could make lenders think you canât handle more. So, it might be a good idea to close any unused credit cards or store cards. Remember itâs not enough to simply cut up the card â youâll need to contact the provider to close the account.
You may find that your credit score drops temporarily when you close an account like this, particularly if itâs an account youâve had for a long time. This is nothing to worry about, and your score will build up as you continue to manage your money responsibly.
Spread out your applications
Itâs not a good idea to apply for several credit cards or loans in a short space of time. Each time you apply for credit, it will leave a footprint on your credit file. If there are lots of credit application searches close together on your file, it can look like youâre desperate for credit, which puts lenders off and negatively impacts your score. So, try to space out your applications if you can, and only apply for something if you really need to, and can afford the repayments.
Keep in mind that your score gets updated on a monthly basis, so you may not see an immediate change once youâve taken some of these actions. Donât be discouraged if you donât see a swift increase â managing your finances responsibly over time will result in a healthier credit score and give you better financial options overall.
One of the things that affects your credit score is how reliable you are when it comes to paying your bills. You can give your credit score a boost by making sure you pay all your bills on time every month. This covers all your monthly bills, including your utilities, as well as your credit card and loan repayments.
Why choose Credit Score?
Credit Score lets you see your credit score and report for free, and gives you personalised tips on how to improve it. If you are thinking of applying for a credit card, Credit Score will show you credit cards that you are likely to be accepted for. Being able to clearly see and monitor your score will allow you to make an educated decision if and when you want to apply for credit.
Reviewed on 11 Dec 2025 by
