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.
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.
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.
|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|
|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|
|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||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||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||0344 number|
|Annual Credit Report||Expert assistance from your own, named personal advisor||Monthly £4.99 charge|
|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|
|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||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|
*All information correct as of 01/03/16
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