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Get the credit you deserve

With the Equifax Credit Report & Score


*Your first 30 days are free then it’s £14.95 a month.
You can cancel at any time.

  • Report & Score updated daily upon login

  • No jargon, easy to understand

  • Traffic light system identifying parts that need attention

  • Actionable hints and tips within your report


In partnership with

Compare loans, credit cards and car finance

Equifax has partnered with Aro to offer Marketplace where you can find loan, car finance and credit card offers tailored to you and your needs. Discover if you're pre-approved in just a few clicks, all without affecting your credit score.

Take control of your credit score

Get a detailed view of your credit report and score with our enhanced Equifax Credit Report. Also included are a range of Identity Protection Features to help safeguard your information. 

*Your first 30 days are free then it’s £14.95 a month.
You can cancel at any time.

Identity Protection

Protect your identity

Equifax can help you keep your identity safer. As part of your Equifax Credit Report & Score, WebDetect alerts you if it finds your financial details on websites used by fraudsters to trade personal information.

*Your first 30 days are free then it’s £14.95 a month.
You can cancel at any time.

Statutory Credit Report

Free Statutory Credit Report

Your statutory credit report helps you understand what credit information is held about you. It does not include the Equifax credit score or the additional features offered as part of the Equifax Credit Report & Score.
Student Debt Divide

Examining student finances

Finding ways to budget as a student doesn’t need to be intimidating. The Equifax Student Debt Divide gives you a host of vital information, enabling you to make informed decisions about your student loans and financial future.

From onboarding to offboarding

Whether you want to get more from less, add layers of protection or find better ways to support consumers, we could be what you're looking for. Join the hundreds of businesses using our data, tech and analytics throughout the full customer lifecycle.

Practical tips on everyday money matters

Start your journey towards better financial well-being with our straightforward, jargon-free guidance. Find useful information and tips and tricks on a range of financial subjects.

Frequently asked questions

A credit report is a detailed record of your credit history. It includes information about your credit accounts and past payments, among other things. Lenders use this report to assess your creditworthiness for things like new credit cards, loans or mortgages. Doing a credit check is an important step towards understanding your credit history.

Your Equifax Credit Score is between 0-1000 and is calculated using the information within your credit report. A variety of factors can affect your credit score. These include timely payments, credit utilisation, new credit accounts, and your history of credit repayment.

Credit scores can change whenever new information is added to your credit report. This can happen any time a creditor reports something about your account. Therefore, your credit score can technically change as frequently as daily.
Your Equifax Credit Report will refresh when you log on, a maximum of once a day, to reflect any changes to your credit information.

Yes, checking your own credit score is considered a "soft inquiry" and does not affect your credit score. However, "hard inquiries", which is when a lender checks your credit due to an application for credit, may impact your score.

You can improve your credit score by making timely payments, reducing the amount of debt you owe, not opening unnecessary new credit lines, and regularly checking your credit reports for accuracy.
Equifax Report and Score makes taking control of your credit report and scores easy and straightforward. Get your free credit score and free credit check today.

Most negative information, like late payments, will stay on your credit report for seven years. Some serious negative information, such as certain bankruptcies, can stay on your report for up to 10 years.