Student Credit Checker credit report

Do students need a specialist credit report? Our review of Student Credit Checker covers the pros and cons, and what you get for your money.

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Monthly fee£19.95
Trial period14 days
Score information includedTransUnion
Report information includedTransUnion
Update frequencyEvery 4-6 weeks
Fraud alerts
Fraud alert formatsText, Email
Score alerts
Score alert formatsText, Email
Report alert formatsText, Email
Social media monitor
Additional servicesSocial media score and report.

What is Student Credit Checker?

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.

How does a Student Credit Checker credit report work?

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 You can also dispute any incorrect or out-of-date information on your credit file by clicking on the icon next to the specific entry on your credit report.

How do I get a Student Credit Checker 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.

Is Student Credit Checker any good?

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.

How much does Student Credit Checker cost?

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.

Does using Student Credit Checker affect my credit score?

No, there won’t be any impact on your credit score or credit file when you access your report through Student Credit Checker.

How do I cancel Student Credit Checker?

You can cancel your Student Credit Checker membership by emailing, by calling customer service on 0161 250 3350, by mail or by using the Chat function on the Student Credit Checker website.


  • Uses TransUnion data
  • Social media reporting


  • Large monthly fee
  • Limited free trial

Our verdict

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.

How do I improve my credit score?

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:

  • Paying your bills on time
  • Closing any unused credit accounts, such as old credit cards or bank accounts
  • Registering on the electoral roll and making sure your address is up to date
  • Regularly checking your credit report for any errors

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