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How does it work?

You’ll get your score in just minutes, and it’s absolutely free. You can come back and check it as often as you like or request updates if your score changes.

Use your score to find out if you can get approved for a personal loan or a credit card, with our feature.

Check your score in just 5 minutes

Three simple steps

1. Become a member
This will let you access your score and other benefits.
2. Verify your ID
Answer questions to prove that you're... you!
3. Check your score
Get your score and more valuable insights.
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Use your credit score to apply for financial products with confidence

Finder's 'chance of approval' rating indicates your likelihood of getting accepted for a credit product like a loan or a credit card. This can help you protect your credit score by avoiding applications for products you might not be eligible for.

What financial products may require a good credit score?

Mortgages
The higher your credit score, the easier it is to get approved for a mortgage at a competitive rate
Personal loans
Lenders will look at your credit score (along with other factors) and a lower score may make it hard to get approved.
Credit cards
Some credit card applications may require a good credit score, especially if you want a higher credit limit.

What is a credit score?

Your credit score is a number that represents how creditworthy you are – it demonstrates your reputation as a borrower. The higher the score, the more creditworthy you appear.

The higher the better when it comes to credit scores and, based on the scoring system you’ll receive through Finder, above 670 is a very good score and above 810 is considered excellent.

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What’s the difference between a credit score, a credit rating and a credit report?

Your credit report or history is a detailed record of your borrowing history, with information such as the loans you have held and applied for. It also includes personal information such as your name and address.

Your credit score is a number that is calculated using the information on your credit report. Your score determines your credit rating which could be “very poor”, “poor”, “fair”, “good” or “excellent”.

When deciding whether to take you on as a customer, lenders will usually look at your more recent financial history to determine their decision. However, your financial decisions, both good and bad, will remain on record for up to six years.

There is no single, definitive credit score for an individual. Each credit reference agency (CRA) uses a different scale. Lenders will normally check with one or more of these agencies when assessing your application for credit. These are the scoring ranges employed by the main UK CRAs (the higher the number, the better the score).

Experian: 0 – 999
Equifax: 0 – 1,000 (formerly 0 – 700)
TransUnion (formerly Callcredit): 0 – 710

Depending on your score, you’re said to have excellent, good, fair, poor or very poor credit:

AgencyScoreRating
Experian0 – 560
561 – 720
721 – 880
881 – 960
961 – 999
Very poor
Poor
Fair
Good
Excellent
Equifax0 – 438
439 – 530
531 – 670
671 – 810
811 – 1,000
Poor
Fair
Good
Very good
Excellent
TransUnion
(formerly Callcredit)
0 – 550
551 – 565
566 – 603
604 – 627
628 – 710
1: Very poor
2: Poor
3: Fair
4: Good
5: Excellent
Having a decent credit score will make it easier to get approved for credit cards and is also likely to affect the credit limit and interest rate that you’re offered by lenders.

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