Best free credit score services — June 2026
ClearScore
Free credit score and full Equifax report, updated weekly. No card required, ever.
Experian Free Account
See your Experian credit score free. Upgrade to CreditExpert for full report monitoring.
Checkmyfile — Multi-Agency Report
The only service showing all 4 UK credit reference agencies (Equifax, Experian, TransUnion, Crediva) in one report. 30-day free trial.
TotallyMoney Free Credit Report
Free TransUnion score and report with personalised offers showing your chances of approval.
What is a credit score?
Your credit score is a number that lenders use to judge how likely you are to repay borrowed money on time. In the UK there's no single universal score — each of the four credit reference agencies (Experian, Equifax, TransUnion and Crediva) has its own scale and methodology.
Checking your own score is always a soft search — it does not affect your credit file or your chances of getting credit.
Which free credit score service is best?
For most people, ClearScore is the best starting point — it's genuinely free forever, shows your Equifax data, and the app is excellent. If you want to see all four agencies at once, Checkmyfile's 30-day trial is the most comprehensive option available anywhere in the UK.