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Check your credit rating

Your credit report contains the information lenders see when they are deciding whether to lend to you or not. If you know what it contains, you will have a better idea of what credit you can apply for.

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How do I check my credit score?

You can check your credit score with a statutory report from any of the three UK credit agencies

Statutory credit reports

You can check your statutory credit report with any of the three credit reference agencies in the UK – Callcredit, Equifax and Experian.

Each credit reference agency provides your standard statutory credit report, costing £2, and monthly paid for services that provide extras like your credit score and ID fraud alerts. So even if you can get a credit check online, you may wish to maintain a paid account in order to continuously monitor your online credit report.

To see your entire credit file you need to get your statutory report from each of the three agencies:


You can get your statutory Experian report online or by calling 0844 481 80000


You can get your statutory Equifax report online or by calling 0844 335 0550


You can get your statutory Callcredit report online or by calling 0870 060 1414

Credit reports

Credit reports can be a vital tool for managing your finances, but they're also not as easy to access and use as they should be. Learn how to check your credit rating by reading this summary, or see our guides at the bottom of the page for more.

Credit reports are a personal history of all the credit you’ve had, including loansmortgagescredit cards, and mobile phone contracts.

Potential lenders will use your credit report to make assessments on your financial capabilities, so it can be a good idea to stay ahead of the game and get your online credit rating.

What is a credit report?

Compiled by the three credit reference agencies – Experian, Equifax and Callcredit credit reports collect information from your current and previous financial providers about the types of credit you’ve had, how much, and your repayments to create a personalised credit report.

When you apply for credit, potential lenders will want to find out whether you’ll be able to repay the debt by running a credit history check. In addition to the information on your application, one tool they will use to decide whether or not you are a reliable borrower is your credit report from credit agencies.

'Free' credit reports and 'free' credit checks

Just search for 'free credit score', ‘free credit report uk’, 'check my credit file free' or ‘credit check free’ and you’ll find a host of supposedly free services offering your credit report online, but how do you know who to trust to get a free credit check online?

Noddle, set up by credit reference agency Callcredit, is a website which offers a free credit report from Callcredit and also recommends certain credit cards and loans based on your online credit rating.

Noddle's free credit report service shows that the changes we're calling for as part of the It's My Report campaign are entirely possible, and Experian and Equifax could follow suit.

However Noddle’s product recommendations don’t tend to cover the whole of market, meaning that better deals may be available elsewhere.

Currently you can get hold of your statutory credit report costs for £2 per credit reference agency. As we recommend checking your reports at least once a year, the minimum financial commitment is £6 a year.

As well as the £2 report, Callcredit, Equifax and Experian also offer 'free credit check' online services as temporary introductions to their paid-for services. They typical introductory period is one month, after which you are charged a monthly fee.

Many of the biggest credit reporting agencies offer free credit checks for 30 days before paying a monthly fee, so in reality the marketing of “credit check free” or “free credit report UK” is not going to help you if you need another credit check a month or two down the line.

A free credit rating check may only be useful if you just want a one-off look before you apply for a mobile contract or credit card and don’t want to risk a rejection further harming your credit search. If you are interested in more information about this, read more in our guide to free credit reports.

Check your credit rating with all three agencies

Whether you get a free credit check online or pay for it, different credit reporting agencies will have different methods of checking your credit score. A Callcredit check will different than an Experian credit report.

For example, an Experian credit report will include information from financial providers that a Callcredit check may not have, and vice versa.

It’s important to check the differences by getting a credit check free is possible before paying for a credit rating check and getting your online credit report.

A credit history check can also reduce your vulnerability to online fraud and improve your security against identity theft.

By using an online credit check company, such as Experian, you can find out where your pertinent details are mentioned and take action to delete them if they make you vulnerable.

If you'd like to find out more about how to check credit scores, read our guides on credit reports.

How is this table ranked?

This table is ranked by a credit referencing agency’s popularity with uSwitch consumers.

Given the limited size, scale and small price competition of the credit reporting market, we determined this was a fair way to sort these providers.

The more people click on a credit referencing agency in the last 48 hours, the higher up the comparison table they will sit.