Your Credit Score

Your credit score is an indication of your overall credit health. The higher your score, the better your chances of being accepted for credit, with better rates and terms. Your Checkmyfile score is calculated using data from the three main UK credit reference agencies: Experian, Equifax, and TransUnion.

What is a credit score?

Your credit score is a number that helps indicate how reliable you are at borrowing and repaying money based on how you’ve previously managed credit. While lenders can’t see your credit score, it can help you see how lenders might view you when you apply for credit.

A bar chart with four bars: one dark blue, one light blue, one dark brown, and one light brown. The chart is labelled 'May'.

A close-up graphic of green ticks that can appear on a Checkmyfile credit report.

What affects your credit score?

There are many factors that affect your credit score, including: whether you pay your credit repayments on time, being registered on the Electoral Roll, recent credit applications, any CCJs or court information on your file, and how much of your available credit you’re using.

What's a good credit score in the UK?

There’s no universal credit score in the UK. Each credit reference agency (CRA) has its own score range and method for calculating your number. At Checkmyfile, our credit scores are calculated out of 999. Experian has a maximum score of 1250, while Equifax is 1000, and TransUnion is 710.

How Checkmyfile shows your credit score

At Checkmyfile, we calculate your credit score using data from Experian, Equifax, and TransUnion. You’ll also see your full credit report alongside your score, so you can clearly see the factors affecting it. 

Take the first step

Sign up today to start taking control of your credit health. Get started with a 7-day free trial. Then it’s only £14.99 a month, and you can cancel online anytime.