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Apply for personal loans, credit cards and mortgages with confidence.
Use your credit score and Finder's 'chance of approval' rating to understand your likelihood of getting accepted for a credit product like a loan or credit card.
This can help you protect your credit score by avoiding applications for products you might not be eligible for.
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What is a credit score?
Your credit score is a number that represents how creditworthy you are - it demonstrates your reputation as a borrower and is calculated based on your financial activity and credit history.
Credit scores are produced by specialist credit reference agencies (CRA), and each agency uses its own scoring method to determine your credit score. Though, across all CRAs, the higher the score, the more creditworthy you appear.
The higher, the better when it comes to credit scores and, based on the scoring system you'll receive through Finder, above 670 is a very good score and above 810 is considered excellent.
What financial products may require a good credit score?
Mortgages
The higher your credit score, the easier it is to get approved for the mortgage you want at a competitive rate.
Personal loans
Lenders will look at your credit score (along with other factors) and a lower score may make it hard to get approved.
Credit cards
Some credit card applications may require a good credit score, especially if you want a higher credit limit.
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How do credit scores work?
Whenever you apply for credit, a potential lender will look at your history of borrowing and repaying to determine how much of a risk you are – in other words, how likely they are to get their money back. The better your credit history, the easier you will find it to obtain credit and the better the rates available to you.
Your credit history is stored by credit reference agencies. The biggest ones in the UK are Equifax, Experian and TransUnion.
Whenever you make an application for credit (e.g. a mortgage, credit card or personal loan), the lender will turn to these agencies to look at your score and history, which will play a major role in the success or failure of your application.
By looking at your credit report in conjunction with its own assessment of your circ*mstances, the lender will decide on whether to lend to you, how much to lend to you and how much interest to charge you.
What's the difference between a credit score, a credit rating and a credit report?
Your credit report or history is a detailed record of your borrowing history, with information such as the loans you have held and applied for. It also includes personal information such as your name and address.
Your credit score is a number that is calculated using the information on your credit report. Your score determines your credit rating which could be "very poor", "poor", "fair", "good" or "excellent".
When deciding whether to take you on as a customer, lenders will usually look at your more recent financial history to determine their decision. However, your financial decisions, both good and bad, will remain on record for up to six years.
There is no single, definitive credit score for an individual. Each credit reference agency (CRA) uses a different scale. Lenders will normally check with one or more of these agencies when assessing your application for credit. These are the scoring ranges employed by the main UK CRAs (the higher the number, the better the score).
Experian: 0 - 999
Equifax: 0 - 1,000 (formerly 0 - 700)
TransUnion (formerly Callcredit): 0 - 710
Depending on your score, you're said to have excellent, good, fair, poor or very poor credit:
Agency | Score | Rating |
---|---|---|
Experian | 0 - 560 561 - 720 721 - 880 881 - 960 961 - 999 | Very poor Poor Fair Good Excellent |
Equifax | 0 - 438 439 - 530 531 - 670 671 - 810 811 - 1,000 | Poor Fair Good Very good Excellent |
TransUnion (formerly Callcredit) | 0 - 550 551 - 565 566 - 603 604 - 627 628 - 710 | Very poor Poor Fair Good Excellent |
Having a decent credit score will make it easier to get approved for credit cards and is also likely to affect the credit limit and interest rate that you're offered by lenders.
How many Brits are credit invisible?
Our research found that 1 in 10 Brits (10%) would be classed as credit invisible in 2023, meaning they have no recent credit activity on record. This equates to around 5.6 million UK adults. If you are credit invisible or have a limited credit history, credit applications may take longer because lenders have to complete a manual and detailed risk assessment. The rates you are offered may also be higher.
All the content may be republished with a link to this page. Finder commissioned Censuswide on 27/11/2023 to carry out a nationally representative survey of adults aged 18+. A total of 2,000 people were questioned throughout Great Britain, with representative quotas for gender, age and region.
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What affects your credit score?
Understanding what affects your credit score - and what doesn't - can help you keep your credit score in top shape.
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999 credit score but refused a loan?
Find out what you can do if you've been refused a loan despite having a top-notch credit score.
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Switching banks usually involves a credit check with a small negative impact on your credit score.
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Your questions answered
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Seeing your credit score and report will give you a good grasp of your financial position and help you feel more confident when you're making decisions about your money. Finder Credit Score is free, and our expert team have created guides tailored to different scores to explain what's what and why. We also have a customer service team on hand to answer questions.
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Yes, Finder's Credit Score & Report is free, with no catch. Finder is on a mission to help Brits make better financial decisions. We believe everyone should get access to their credit score and report for free, to help them understand what it means, how to build their score and how to access the best possible rates when borrowing. When you sign up, you'll become a Finder member, which means you'll also be able to access exclusive content and special deals.
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You view both through your dedicated dashboard. The score and report are supplied by Equifax, one of the UK's leading credit reference agencies. You can log in to your Finder account and check your dashboard at any time. Your credit score history is updated every month - and we'll contact you each month to let you know what's changed, if anything.
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Once you're signed up to Finder's free Credit Score & Report, you can look at your report as many times as you want. We'll also send you monthly updates with useful tips to improve your score.
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No. Checking your score won't affect it. Many companies who provide credit score checks, including Finder, run a "soft" search to check your credit score; this does not impact your score. However, when applying for a credit card or loan, a lender will perform a "hard" check' on your credit report, this will initially cause a dip in your credit score.
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There are a number of reasons why your credit score has been affected and since gone down in rating. You may have:
- Missed or made a late payment
- Taken out a new line of credit
- Increased your credit spending
- Settling a financial disagreement in court
- Moving addresses too regularly
Learn more about what affects your credit score.
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