How Can I Get My Experian Score for Free
Your free Experian Credit Score
Our credit score is the UK's most trusted, helping yous see where you stand up when it comes to getting credit
Check your score for gratis
What'southward a credit score?
A credit score, likewise known as a credit rating, is a iii-digit number that reflects how reliable you are when it comes to repaying money. Your credit score is based on how you lot've handled coin in the past. The college your credit score, the better your chances of being accepted for credit, and at the best rates.
Your credit score influences your chances of getting:
Tin yous check your credit score for gratis?
You can get your Experian Credit Score without paying a penny, by signing upward for a free Experian Account
Your gratis score volition exist updated every thirty days if you log in.
You can check your credit score as often as y'all like – checking it won't harm information technology.
How does a credit score piece of work?
Your credit score is calculated whenever you utilize for credit, such as a loan, credit menu, mortgage, or even a mobile phone contract. How your score is worked out depends on the visitor y'all're applying to – different companies take different methods and may use dissimilar information, so your credit rating may vary between them.
Lenders typically wait at your borrowing history, your electric current borrowing, and other relevant information such equally your income. Ordinarily, they'll look at information taken from the following:
Their own records, if yous've been a client before
Become my free score
How'south your Experian Credit Score calculated?
The Experian Free Credit Score runs from 0-999. It's based on information in your Experian Credit Report – like how often you use for credit, how much you owe, and whether yous make payments on time.
You'll lose points for having information on your report that suggests to lenders you're unlikely to manage credit responsibly, such as previous late payments and defaults. Yous'll gain points for things that lenders normally view positively, such every bit a track record of ever paying on time and being on the balloter coil.
What's a good or average credit score?
We consider a 'good' score to be between 881 and 960, with 'fair' (too the average) betwixt 721 and 880. Nevertheless, there'southward no 'magic' number that will guarantee lenders will approve an application if y'all utilise.
If your credit score is poor, you'll probably detect information technology harder to borrow money or admission certain services. We consider a 'poor' score to be between 561 and 720, with 'very poor' between 0-560. But call back, lenders may have dissimilar views of what an ideal customer looks like to them, which volition exist reflected in how they summate your credit score.
Your free Experian Credit Score is intended equally a useful guide to give yous an idea of how lenders may view your credit history. Knowing your score tin help yous make more than informed choices when it comes to credit.
What does your Experian Credit Score mean for y'all?
Excellent
961 - 999
Y'all should get the all-time credit cards, loans and mortgages (merely there are no guarantees).
Good
881 - 960
You should get well-nigh credit cards, loans and mortgages only you lot might not go the very best deals.
Fair
721 - 880
You might get OK interest rates only your credit limits may not be very loftier.
Poor
561 - 720
Y'all might exist accustomed for credit cards, loans and mortgages only they may have higher interest rates.
Very Poor
0 - 560
You're more probable to be refused nigh credit cards, loans and mortgages.
Remember, your credit rating isn't prepare in stone – it'south a living, animate thing that tin change daily – for case, equally the information on your credit study changes or equally time passes. So, it can go up or down over time.
Experian has the UK's best free credit score – so you know y'all'll be in condom hands seeing where you stand when it comes to getting credit.
oneGreat britain's most trusted score – "Based on 49% of 1422 respondents. ICM Unlimited survey May 2021"
twoThe best gratuitous credit score – "Based on 45% of 1371 respondents. ICM Unlimited survey May 2021"
Source: https://www.experian.co.uk/consumer/experian-credit-score.html
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