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*Your first 30 days are free then it’s £7.95 per month.
You can cancel at any time.

Find out how the Equifax Credit Report & Score works

Why should you use a CRA (credit reference agency)? Having access to your credit report will show you areas in your financial life that can affect your credit score. We explain how the Equifax Credit Report & Score works and how you can use it to manage your financial information.

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*Your first 30 days are free then it’s £7.95 per month.
You can cancel at any time.

Knowledge Centre

Looking for practical tips and guidance on financial well-being?

Our Knowledge centre is packed full of useful articles on Loans and Credit, Debt Management, Mortgages, Identity Protection and Money Management and much more.

Visit our Knowledge centre
Visit our Knowledge Centre for practical tips and guidance on financial well-being

Services

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Get access to our NEW enhanced credit report, score and identity protection tools.

*Your first 30 days are free then it’s £7.95 per month.
You can cancel at any time.

Access our basic credit report.

Detailed information on a whole range of topics.

Additional resources for consumers with vulnerabilities.

Frequently Asked Questions


Your first 30 days of Equifax Credit Report & Score is free, then it's £7.95 per month. You can cancel at anytime.

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.

Your Equifax Credit Report will refresh when you log on, a maximum of once a day, to reflect any changes to your credit information.

A credit score is taken from information on your credit report which is based on your credit history.

This score is then used by lenders to find out if you qualify for a particular credit card, loan, mortgage or service.

Your Equifax Credit Score is between 0-1000 and is calculated using information within your credit report. A variety of factors can affect your credit score such as timely payments and history of credit repayment.

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

With Equifax Credit Report & Score traffic light system, you can clearly see which score range your current credit score sits in, for example, ‘good’ or ‘average’. These indicators will give you an idea of improvements that can be made to your Equifax Credit Report.