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Free Credit Score

Take control of your credit score with Credit Monitor

  • See your score and credit report and get free personalised tips to help improve it
  • Check your score & report

Get Money Calm

Being in the dark about your credit score could mean you don’t have the full story when it comes to your finances.

Find out your score to see where you stand.

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Check your score & report

Look as often as you like without damaging your score

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Stay on top of it

We’ll keep an eye on your file and alert you about any activity that could be suspicious

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Get personalised tips

We’ll give you free hints and tips to help you improve your score

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MoneySuperMarket uses strong data encryption technology to make sure your personal information stays secure.

We never sell your personal data to anyone.

Unlock your money potential

Unlock your money potential

A better score could improve your chances of getting access to a wider choice of credit cards, loans or mortgage rate offers.

Check your score for free in as little as 3 minutes

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Credit Monitor is 100% free to use. We won’t charge you for checking your report.

Credit Monitor 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 it’s advisable to check it regularly, in the same way as you would your bank statements or utility bills.

Your credit report refreshes on a monthly basis so it’s a good idea to keep checking it regularly so you can ensure that the data in it is accurate.

Each credit reference agency has its own way of calculating a credit score based on the information it holds, which means your credit score can’t be compared between different agencies. TransUnion has a maximum score of 710.

If you can't find what you're looking for here, check out our full list of Frequently Asked Questions.

Your credit score is a rating based on your financial history.

Credit reference agencies give you a credit score based on how well you have managed your financial accounts in the past. Your score is not fixed – it can go up or down, depending on how you manage your accounts.

When you apply for credit, such as a loanmortgage or credit card, your credit score is one of the things the lender will take into consideration when deciding whether to accept or decline your application. It will also influence the deal or interest rate the lender offers you.


Having a good credit score can give you better options when it comes to applying for credit - 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 you’ll pay back whatever you borrow. As well as improving your chances of being accepted for credit, a good credit score also means you have a better chance of getting more competitive interest rates on loans and credit cards.

There are lots of reasons why your credit score may not be as high as you’d like. Having a poor credit score can be a result of mismanaging your finances in the past, perhaps due to a missed credit card payment, an outstanding utility bill or even a bankruptcy. If your credit score is poor, this can limit your options when it comes to getting credit, because a lender may see you as more of a risk.

But having a poor credit score isn’t the end of the world - there are things you can do to help improve it.

If you don’t know your credit score, you may not have the full picture when it comes to your finances. By checking your credit score for free with Credit Monitor, you’ll 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 you’re doing right so you can keep it that way. If your score is lower than you’d like, we’ll show you what you can do to help build up your credit score.

Getting on top of your credit score is the first step to taking control of your finances, and it’s a great way to Get Money Calm.

If your credit score isn’t as high as you’d like – don’t panic. It’s not the end of the world, and there are lots of things you can do to give it a boost.

The electoral roll is a list of the names and addresses of everyone who’s 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.

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.

It may be easier said than done, but paying off more than the minimum payment on your credit cards each month shows lenders that you’re managing your debt well. If you’re 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.

If you’ve got a credit card that you’re 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 can’t handle more. So, it might be a good idea to close any unused credit cards or store cards. Remember it’s not enough to simply cut up the card – you’ll 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 it’s an account you’ve 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.

It’s 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 you’re 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 you’ve taken some of these actions. Don’t be discouraged if you don’t see a swift increase – 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.

Credit Monitor 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 Monitor 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.