Equifax Credit Report and Score

Your credit score is a numerical value that is calculated based on your credit history. The score gives you an indication of your creditworthiness to lenders when you apply for a credit card, loan or mortgage.

In the UK, there is no universal score that is used by lenders or credit reference agencies (CRAs). This means that each CRA or lender will have its own scoring model, making each outcome slightly different.

By signing up for Equifax’s Credit Report & Score, you will have access to both your credit report and credit score. The service is free for 30 days and then £14.95 a month. You can cancel at any time.

Regular monitoring of your credit report is one way to help prevent identity theft as it presents you with your financial profile with which you can spot suspicious activities or discrepancies. Plus, with Equifax’s WebDetect and SocialScan, you can monitor your personal information across the dark web and social media. Find out more on how to protect your identity in our Knowledge Centre.

You can check your Equifax Credit Score by signing up for the Equifax Credit Report & Score. The service is free for 30 days and then £14.95 a month. You can cancel at any time. The service shows you your current Equifax Credit Score and gives tips on how to help improve it. You’ll have unlimited access to your Equifax Credit Report meaning you can look at it as many times as you want to without affecting your Equifax Credit Score.

What’s considered a good score can differ between credit reference agencies (CRAs) and lenders. Your Equifax Credit Score is between 0-1000 and is calculated using information within your credit report. This gives you an indication of how lenders may view your creditworthiness. A variety of factors can affect your credit score such as timely payments and history of credit repayment.