What is a credit score?

Whenever you apply for credit, the lender will check your borrowing history and how you typically repay money you’ve borrowed. This happens when you apply for credit such as a loan, credit card, mortgage, car finance…even a mobile phone contract.

They’ll look at your credit history which is based on your credit report and will show things like if you have a mortgage, how much you owe on credit cards and if you’ve missed payments in the past.

This is combined with the other information you fill in on the credit application form, and past information they’ve got on you (for example, if you’re an existing customer) the lender will then decide if they’d like to lend you money.

Each lender uses a slightly different lending criteria, so make sure you look around for a deal that you’re more likely to be accepted for as well as being best suited to you and your credit history.

What is the FREE Experian Credit Score?

The Experian Credit Score is free, forever. It runs from 0-999 and is based on the information in your Experian Credit Report. The higher your score, the greater the chance you have of getting the best credit deals.

We believe that your Experian Credit Score is the only score that matters, and it should be free forever. We’re able to provide your Experian Credit Score for free because we receive commission from some lenders and brokers when you choose them from our search results on CreditMatcher, and click through to their site or make an application. This works in the same way as most of the insurance and utility comparison sites you’re probably familiar with.

Your FREE Experian Credit Score is updated every 30 days if you login. The Experian Credit Score categories are shown below:

What does your Experian Credit Score mean for you?

Excellent
961 - 999

You should get the best credit cards, loans and mortgages (but there are no guarantees).

Good
881 - 960

You should get most credit cards, loans and mortgages but the very best deals may reject you.

Fair
721 - 880

You might get OK interest rates but your credit limits may not be very high.

Poor
561 - 720

You might be accepted for credit cards, loans and mortgages but they may have higher interest rates.

Very Poor
0 - 560

You’re more likely to be rejected for most credit cards, loans and mortgages that are available.

What does the Experian Credit Score tell me?

Score Dial

Get your free Experian
Credit Score

Eligibility

See your
eligibility rating

Search

Discover credit deals
from leading lenders

Calendar

No charges and
no hidden costs

We are a credit broker not a lender †

If you need to improve your score, you can sign up to to get your Experian Credit Report and see what’s impacting your personal score factors.