Credit Score Basics > What is the best credit score website in the UK?

What is the best credit score website in the UK?

If you’re looking for the best credit score site in the UK, the answer is “the one that gives you the credit score you actually need and can help you improve it.”

This is because in the UK, you don’t have one, but three credit scores, one for each credit reference agency: Equifax, Experian, and TransUnion. Some of these agencies let you check your credit score on their site, others don’t. Some charge a fee for it, while others allow you to do it for free. There are also plenty of third-party websites that partner with these credit reference agencies (CRAs) to give you access to your credit score.

As you can see, there are multiple ways to look at this. The good part is that we’ve done the homework for you and ranked these credit score websites so you know which ones to sign up for.

1. Experian

Experian seems to be the best credit score website in the UK for a number of reasons:

• You get it straight from the source: Experian is the leading credit reference agency in the UK.
• You can view your credit score for free: If you sign up for a free account, you’ll see your score updated monthly.
• You can understand why your score changed: If you sign up to the paid account (£14.99 a month with a free 30 days trial) you can even see exactly what made your credit score move up or down. This can be very good if you’re looking to quickly boost your credit score or are preparing for a mortgage application.
• You can boost your score for free: Experian also offers a feature called Experian Boost, which lets you make eligible bills and subscriptions (like Netflix) count towards your Experian credit score.
• Finally, Experian also lets you check your eligibility and shop for deals for financial products (cards, loans) straight from its website.

2. Credit Karma

Credit Karma is the second one on our list because it gives you free lifetime access to your TransUnion credit score. Because of this, it can be a great match if you already have a free Experian account.

Credit Karma, in some ways, is even better than the Experian free account. That’s because Credit Karma doesn’t charge you anything for giving you access to your full credit report. It’s also one of the few ways to access your TransUnion credit report and score – TransUnion doesn’t give you the option to create an account like Experian.

Credit Karma is also great because it offers a very minimalist website experience, with helpful graphics and colour-coded systems. Just sign up, check your score, and browse through offers from its partners if you’re looking for a card or loan.

3. ClearScore

If Credit Karma helps you check your TransUnion credit report and score, ClearScore does the same for your Equifax information. If you sign up, you’ll get free lifetime access to your full Equifax credit report and score.

The things that make ClearScore one of the top three credit score websites are:

• Excellent user experience, especially its mobile app.
• Free identity protection service that actively scans the dark web for any information related to you, including leaked passwords.
• You can upgrade this identity protection service for a small fee, and it even includes identity insurance (one of the few companies in the UK to offer this) if fraudsters take credit in your name.
• It has a special section on its website where you can contact Equifax if there’s anything wrong with your credit report.
• And just like Credit Karma, it also lets you browse for offers from its partners. It’s how it makes money, after all.

Which credit score website should I use?

All of the ones we highlighted. While there are many other credit score websites out there, creating an account on each of these will be enough to make sure that you get the full view of all three credit scores for the lowest price.

This will help you understand what might have been refused for a loan and what you need to do to increase your loan approval chances.

One thing these websites don’t do, though, is directly improve your credit history. To do this, consider signing up to Wollit.

Wollit is a credit-building tool that reports your monthly subscription as a loan repayment to all three big credit reference agencies.

If you’ve signed up to Experian, ClearScore, and Credit Karma, you’ll actually see how your Wollit subscription is showing up right there in your credit reports – and understand how it can help you improve your credit score.

• Credit Reference Agencies