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Credit Rating Tool Comparison

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

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A home credit loan from Provident will require a member of our Customer Experience team to discuss your income, outgoings and other financial commitments. Available to UK residents aged 18 and over. Written quotations are available on request. Prices may vary in Northern Ireland.

Provident is a trading name of Provident Personal Credit Limited.  Registered Office: No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU. Registered number 146091 England. Authorised and regulated by the Financial Conduct Authority.