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There are so many credit score tools out there, it’s hard to know which to use. We have listed the most popular tools below, with information on price and what you can expect from them.

What Is A Credit Score?

A credit score (or rating) is a score given to you to determine whether you can afford to repay the money you’d like to borrow.

You can find out more here and here

Why Is My Credit Score Important?

As your score shows whether you can afford to repay the amount you’d like to borrow, the better your credit rating the more likely it is you can borrow the amounts you want.

Your credit rating will and does change, depending on your circumstances and what repayments you make.

What is the £2 statutory report I keep seeing?

You may see some credit reference agencies offering a statutory £2 credit report. You have a right to see a copy of your statutory credit report under the Data Protection Act.

The information in this report is the same as the information you’ll find in the reports below. The difference is that the statutory £2 report is a list of the information and there is no additional information such as summaries. It also has no extras such as credit scores and monitoring alerts.

Credit Report Agencies*

Provider Features Cost Credit
Report
Credit
Score
Unlimited
Access
Freephone
Contact
Number
 Experian Unlimited access to your credit score- view your report as often as you’d like
Get alerts when changes occur on your credit file
30 day free trial,
monthly £14.99 charge
Green Tick Green Tick  Green Tick Green Tick
 Equifax Unlimited access to your credit score- view your report as often as you’d like
Get alerts when changes occur on your credit file
Identity protection alerts
30 day free trial,
monthly £14.99 charge
 Green Tick Green Tick Green Tick Green Tick
 Credit Compass Unlimited access to your credit score- view your report as often as you’d like
Identity protection alerts
Monthly £14.99 charge, first payment taken 15 days after you register Green Tick  Green Tick  Green Tick  0845 number
 Noddle  Part of Call Credit
Unlimited access to your credit score- view your report as often as you’d like
Help you find the best credit card and loan products for you based on your credit rating
Free for life  Green Tick  Green Tick Green Tick  Email contact
 My Credit Monitor Unlimited access to your credit score- view your report as often as you’d like
24/7 credit monitoring, personal alerts
30 days free trial
Monthly £13.99 charge
 Green Tick  Green Tick Green Tick 0344 number
 Annual Credit Report Expert assistance from your own, named personal advisor Monthly £4.99 charge  Green Tick Green Tick Green Tick Green Tick
 Check My File Multi agency credit report- see more information on your credit report
Free identity theft assistance
Independent, impartial expert advice
30 day free trial
Monthly £8.99 charge
 Green Tick Green Tick Green Tick
Credit Angel Deals and vouchers available from major brands
Credit and social alerts- how social can affect your credit rating
Tailored financial deals
30 day free trial,
monthly £14.99 charge
Green Tick  Green Tick  0844 number
 UK Credit Ratings Unlimited access to your credit score
Get alerts when changes occur on your credit file
Free trial for 14 days, then £19.95 per month  Green Tick  Green Tick Green Tick Green Tick

 

*All information correct as of 01/03/16