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Free Credit Score

Lenders don't usually read your credit report.  They use a computer to convert all the information into a credit score - a measure of how risky you are.  Lenders then accept only those people who score over a certain level, known as the 'cut-off' score.

Calculate your Score

Calculate your credit score

Find out your credit score FREE. No 'search footprint' is left on your credit reports - this is totally anonymous and is designed to help you to understand how credit scoring works.

Simply answer the questions and we'll tell you your application credit score instantly - on a scale of 0 to 1000 - where the higher the score, the better it is. The average score is 750.

We'll also tell you what your credit rating is on a range of one to five stars.

More than a Free Credit Score

We'll show you how your score affects the cost of credit.

Some lenders only lend to people with good credit records. Most mainstream lenders will lend to people with an average or good credit rating. Some specialist lenders will even lend to those with a poor credit record. In general, the higher you score, the more lenders you can access. In general, the more 'picky' the lender, the lower the interest rate as this table shows.

The above sample shows someone with a lower-than-average score of 574 and how this affects the cost of credit cards, loans, mortgages and overdrafts.


Your Neighbours can affect your Personal Credit Rating

Personal Credit Rating

Some credit scorecards use the payment history of all residents within a postal area as part of the calculation. Find out FREE the average income levels of residents in your postcode and the proportion who own their homes outright.


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