Get your free Experian Credit Score
Join 15 million others who already have the UK's most trusted credit score
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Your free Experian Credit Score lets you:
Know where you stand
Your credit score shows how lenders view you
Take control of your finances
Get a breakdown of your borrowing in one place
Apply for Credit with confidence
Check your chances of getting credit cards and more
What is a credit score?
A credit score is a number that lenders use to decide how reliable you are repaying money. It’s a bit like a financial version of an Uber rating or Airbnb score.
You don’t have just one credit score, though. Each lender scores you in their own way when you apply for credit.
What your Experian Credit Score does is give you a good idea of how different lenders may view you.
Why is your score important?
The higher your score, the better your chances of being accepted for things like credit cards, mortgages, loans and more.
How is your credit score calculated?
Your Experian Credit Score is based on information in your Experian Credit Report, such as:
- Your payment history – do you always pay accounts on time, or do you have late payments or defaults?
- How much you owe – if you’re always close to your credit limit, lenders may think you’re in financial difficulty
- How often you apply for credit - too many applications in a short space of time can harm your score
Find out more about what affects your score.
What’s a good credit score? Your Experian rating explained
What does your Experian Credit Score mean for you?
Whether you want to get a house, car, loan or credit card – getting the UK's leading credit score could help you meet your money goals.
Excellent
1121 to 1250
You should get the best credit cards, loans and mortgages (but there are no guarantees).
Very Good
1001 to 1120
You should get most credit cards, loans and mortgages (but you might not get the very best deals).
Good
861 to 1000
You should see a wide range of credit cards, loans and mortgages (but you might have to pay a bit more interest).
Fair
641 to 860
You might get limited credit options, higher interest rates, and lower borrowing limits. But our tools can help improve your score. And as it grows, so will your choices.
Low
0 to 640
Borrowing may be difficult and interest rates could be high. But our tools can help get your score moving in the right direction. Every small increase helps, and things should improve as you get closer to a Fair score.
Frequently asked questions
How often should I check my score?
It's a good idea to regularly check your score, especially if you're planning on applying for credit in the future.
Check your score as often as you like, it won't harm it!
Can I instantly boost my score?
Once you've got your free Experian Credit Score, see if you can instantly improve it using Experian Boost.
Normally, payments for things like council tax, savings accounts, and subscriptions (such as Spotify and Netflix) don't count towards your score. With Experian Boost, they do.
Not all credit scores will increase with Boost - but using it will never make your score go down. Find out more about Boost.
Can Experian help me find deals?
Absolutely! We work with the UK's leading lenders to give you deals you won't find anywhere else. What's more, we can help match you to offers based on your credit score - so you can apply with confidence. We do all the legwork so you don't have to.