TotallyMoney credit score and report
- Free access to your full credit report
- Get notifications when your score changes
- See pre-approved loan and credit card offers
|Trial period||14 days|
|Score information included||TransUnion|
|Report information included||TransUnion|
|Update frequency||Every 4-6 weeks|
|Fraud alert formats||Text, Email|
|Score alert formats||Text, Email|
|Report alert formats||Text, Email|
|Social media monitor|
|Additional services||Social media score and report.|
Student Credit Checker is a credit report provider aimed at university students that lets you access your TransUnion credit report and credit score through a monthly subscription service.
The Student Credit Checker credit report uses data from TransUnion, one of the major credit reference agencies in the UK, and is based on up to six years of your financial activity. This data is then calculated using TransUnion’s credit rating system and given a numerical value that makes up your credit score.
You’ll also receive alerts when your credit report or credit score is updated, as well as advice on how to improve your credit rating. You can also dispute any incorrect or out-of-date information on your credit file by clicking on the icon next to the specific entry on your credit report.
To access your Student Credit Checker credit report you’ll need to open an account via the Student Credit Checker website. As part of your application, you’ll need to provide personal information including your name, contact details and date of birth, as well as your card details. You’ll then be able to access your credit report at any time.
Student Credit Checker is a credit report provider designed specifically for students and young people, which may mean it is better positioned to offer advice on credit issues facing younger customers. However, it also has an expensive monthly fee and it’s possible to access the same TransUnion credit report for free elsewhere.
Student Credit Checker operates using a subscription model, with a monthly membership fee of £19.95. You can also get a free 14-day trial of the credit report service and can cancel at any time during your trial period.
No, there won’t be any impact on your credit score or credit file when you access your report through Student Credit Checker.
You can cancel your Student Credit Checker membership by emailing info@StudentCreditChecker.com, by calling customer service on 0161 250 3350, by mail or by using the Chat function on the Student Credit Checker website.
Student Credit Checker is one of the few credit report providers targeted specifically at students. It could potentially be suitable for students looking for practical advice on how to improve their credit score.
While it provides credit reporting from the major credit reference agency TransUnion, this same report is offered for free through other providers. This means Student Credit Checker’s high membership fee could be a big sticking point for many potential customers, especially those who may be short on cash, or for whom improving their credit score isn’t currently a huge priority.
If your credit report or credit score is lower than you’d like it to be, there are a couple of things you can do to help improve it, including:
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