How to Check Your Credit Score and Report for Free

The three UK credit reference agencies

Lenders use reports from Experian, Equifax and TransUnion. Each holds slightly different information, so it is worth looking at all three. You have a legal right to see your statutory credit report from each of them for free.

Does checking hurt your score?

No. Checking your own report is a “soft search” that lenders cannot see. A formal application for credit is a “hard search” and shows on your file.

What to look for

• Accounts you do not recognise, which can be a sign of fraud.
• Wrong addresses, or someone else’s name linked to yours.
• Missed payments recorded in error. You can ask the lender or agency to correct mistakes.

Ways to improve your score

• Register on the electoral roll at your current address.
• Pay bills and credit on time, and set up direct debits.
• Keep credit card balances low compared with your limit. See the credit card payoff calculator.
• Avoid making lots of credit applications in a short time.

There is no single “official” score: each agency has its own scale, and each lender makes its own decision.

This guide is general information, not financial or legal advice. Rates checked 8 October 2026 against GOV.UK.