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Take control of your credit score

Free credit score & credit report

Get rewards and benefits when you sign up to Credit Monitor

  • Get personalised tips to boost your credit rating

  • You'll have access to our rewards and free days out with SuperSaveClub

  • Check your credit score in minutes

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How does Credit Monitor work?

Your credit score is important when it comes to applying for credit. With Credit Monitor you can check your score and get tips on how to boost it – all for free.

  • Tell us about you

    We’ll need a few details to locate your personal credit score.

  • View your score

    See your score, plus suggestions of how to improve it.

  • See loan and card deals

    We’ll show you personalised credit card and loan offers based on your score.

Check your UK credit score today with MoneySuperMarket

It only takes a few minutes to check your credit score with Credit Monitor. Using our free credit monitoring and reporting service can help: 

  • Grow your score, one day at a time

    Look as often as you like without damaging your score. 

  • Check your report and score

    We’ll keep an eye on your file and alert you to any suspicious activity.  

  • Protect your financial wellbeing

    We’ll send you regular updates and free tips to help you grow your score. 

Victoria Russell

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, it’s vital you keep on top of your rating. Use our Credit Monitor tool to check your report regularly and we’ll keep you in the loop and give you suggestions about how you can improve your credit score.

- Victoria Russell , Money & Savings Expert

What are the benefits of having a good credit score?

A strong credit rating comes with a range of advantages, including:

  • Better rates: If you’ve proved yourself to be a reliable borrower you can benefit from more competitive interest rates. This means it will be cheaper for you to borrow because you won’t be offered high interest rates

  • Easier approval: A good credit score will make it easier for you to be accepted for lending products such as a credit card, mortgage and a loan

  • Save money on insurance: Insurance companies may carry out a credit check. If you choose to pay your insurance in monthly instalments, you’re entering a credit agreement and then your credit score can influence the premium you’re offered. A better credit score can lower your premium while a low credit rating can pull your premiums in the other direction

  • Options on your mobile phone contract: Taking out a mobile phone contract can be another way of using credit. If you have a high credit score, you’ll have more options when it comes to how you’d like to pay for a phone. A good credit rating will make it easier for you to be accepted for a phone contract, however a poor credit score will limit your options and you could be a offered a pay-as-you-go phone

Woman holding a credit card and looking at her mobile phone

What are the advantages of checking your credit score?

There are plenty of reasons to use Credit Monitor to check your credit score. Some of them include: 

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    Soft credit search

    Checking your credit score and personalised card and loan offers won’t affect your credit rating. 

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    Free hints and tips

    Get tailored advice on how to improve your score to give you better credit options in the future. 

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    You're in safe hands

    MoneySuperMarket uses data encryption technology to keep personal information secure – and we never sell personal data. 

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    No charges

    Checking your credit score with MoneySuperMarket’s Credit Monitor is always completely free. 

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    It's super fast

    Just answer a few quick questions about your finances and you can check your credit score in seconds. 

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    Personalised offers

    We’ll show you the credit card, loan and mortgage deals you’re most likely to be approved for if you apply. 

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: 

  • Register on the electoral roll

  • Correct errors on your report

  • Pay bills on time

  • Don't exceed agreed overdraft or credit limits

  • Close old credit accounts you no long use

  • Settling public data records as soon as you can, such as outstanding CCJs.

Super Save over and over again

Our job is to save you money, because there are always more ways to Super Save.

  • Credit cards

    We’re helping to guard your credit score

    See your chances of being accepted for a card - all while protecting your credit score and data

  • Loans

    Lighten the load with a loan

    When you compare with us, we can show loans you’re likely to be accepted for

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.

Your credit score is a rating based on your financial history - how well you have managed debt and other 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 loan, mortgage 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.  

If you know your credit score, you can make sure it’s at the best possible level. By checking your 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 yours is lower than you’d like, we’ll show you what you can do to help build it up. 

A soft credit search is a check on your financial history that won’t 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.  

When you make the application a ‘hard credit search’ 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. 

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.  

While scores differ between credit agencies – and financial product providers use their own scoring system – you can get a good steer by using MoneySuperMarket’s Credit Monitor – which uses the TransUnion agency.  

TransUnion has a maximum score of 710 and anything over 566 is rated ‘pretty good’. Our guide on What is a good credit score? gives more information. 

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.  

Using MoneySuperMarket’s Credit Monitor can give you a good guide. Credit Monitor uses the TransUnion scoring system, which goes up to 710. A score of 550 or lower would be considered a low credit score


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

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.