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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
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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.
A credit report is where 'marks' against your borrowing history are recorded - 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.
A credit check is when a company, like a bank, view 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 and a great way of understanding how your credit history might impact future borrowing, such as for a mortgage.
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 â all for free.
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
Find out your credit score and how you can boost or maintain your credit rating.Â
Weâll use your credit score to show you loans and credit card offers youâre more likely to be accepted for.Â
There are plenty of reasons to use Credit Monitor to check your credit score. Some of them include:Â
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.
Find out for free how to improve your credit score with our tips and guides thatâll get you clued up on credit.
Following our tailored advice 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.
Weâll show you the credit card, loan and mortgage deals youâre most likely to be approved for if you apply.âŻÂ
Thereâs a lot to learn when it comes to credit and thatâs where we come in. We have a range of guides you can read to help you understand how credit works:Â
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.
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 can 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.
'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
It's important to know that companies may check their credit history when deciding whether to approve you because your financial associates may affect your ability to repay debt.
If you rent a flat with someone, this does not create a financial association.
You can get a financial association removed from your credit report if you no longer have a joint financial agreement with the other person.
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 reporting tools, like Credit Monitor, show you what you're doing well so you can keep doing them, such as being registered to vote, paying your accounts on time, and using a healthy amount of your credit limit.
Through this, you can improve your credit rating and access preferential interest rates.
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
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.
A good credit score comes with an array of benefits. A strong credit score will make it easier and cheaper to borrow as youâll be offered better interest rates. Whatâs more, with a good credit score you can save money on:Â
Insurance: If you pay your insurance in monthly instalments, youâre entering a credit agreement and a high credit score can lower your premium. Â
Mobile phoneâŻcontract: 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.Â
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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 Monitor 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.
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.
It only takes a few minutes to check your credit score with Credit Monitor. Using our free credit monitoring and reporting service can help:Â
Look as often as you like without damaging your score.Â
Weâll keep an eye on your file and alert you to any suspicious activity. Â
Weâll send you regular updates and free tips to help you grow your score.Â
Credit Monitor is 100% free to use. We wonât 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 itâs 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 itâs 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 canât 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 â it can go up or down, depending on how you manage your accounts.Â
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.Â
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.Â
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 also means you have a better chance of getting more competitive interest rates on loans and credit cards. Â
If you know your credit score, you can make sure itâs at the best possible level. By checking your score for free with Credit Monitor, 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
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
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 Monitor 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
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 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.Â
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If you can't find what you're looking for here, check out our full list of Frequently Asked Questions.
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.
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.
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 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.
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.
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.
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.