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Get Your FREE Credit Report and Credit Score

  • Unlimited access to your credit report & score
  • Check your credit report details
  • 24/7 credit monitoring with personal alerts

A monthly fee of £14.99 applies after your free 30 day trial.

What you get with your credit report

personal credit

Personal credit report

Access to your Credit Report, score and rating

improve credit

Improve your credit rating

We give you tools, guidance and tips to help you improve your credit score

profile monitoring

24/7 credit profile monitoring

We'll monitor your credit profile and alert you to any significant changes

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Alerts via text or email

You can choose how we alert you

protect yourself

Protect yourself

See who's made searches on your credit profile and spot potentially fraudulent activity

Articles to help you

Credit scores and mortgages

As things stand today, there's absolutely no reason why you should have zero visibility of your credit...

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Credit scores and car finance

Your credit score is a key component when it comes to applying for car finance. Lenders will perform...

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Credit cards and students

With rocketing tuition fees and a general rise in costs of living, today's students and recent graduates...

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Credit cards explained

The history of credit has its roots in the ancient world as far back as 1300 BC. Credit is the...

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Buying on Finance

You could either purchase an item straightaway from a retailer, using cash or your debit or credit card...

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How to get out of debt

By making regular debt repayments, you are not only already on the road to getting out of debt...

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What is MyCreditMonitor?

Watch our short video to see how MyCreditMonitor can help you with your credit score.

Get more help from our useful guides

  • Credit knowledge bar

    A basic guide to credit score

    What is a credit score? Why do I need a credit report? If you've started to ask yourself questions like these, the overall topic of credit score probably still seems a bit daunting. That's why it's important to start with the basics. By learning the basics of credit score, you'll gain a platform of knowledge that you can use to your advantage for years to come. And you might just be surprised at the range of financial benefits that getting to grips with credit score can bring.

    Find out who sets your credit score, how it's calculated and the full range of scores that can be given to you. Also, learn why growing a strong credit score can only be good news for your long term financial health and how lenders reward high credit scores with lower interest rates and more favourable deals.

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    Read more about credit knowledge bar

  • What is a credit score?

    A credit score is a numerical value assigned to you by lenders to determine the level of risk involved in lending you money, also known as your credit worthiness. It is calculated from the information held on your credit file, which is a summary of your credit history.

    What type of information is used for my credit score?

    Your credit score is comprised of the following details and these segments of information are used in conjunction with each other to calculate your credit score.

    Personal information - Your name, date of birth, current and previous addresses, and current and previous employers.

    Credit History - Details of credit accounts both in your name or held jointly with another party such as a spouse. This includes account balances, when the account was opened, the credit limit or loan amount, the terms and conditions and a history of late payments.

    Read more about what is a credit score

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  • Credit score guide

    Most people have heard of credit score and are aware that a strong score is beneficial when it comes to getting approved for personal finance like credit cards and loans.

    Usually though, that understanding is vague with very few people realising just how far reaching the influences of credit score can be on our day-to-day lives. In fact, fewer still have been successful in arming themselves with all the facts around what needs to be done to improve credit score and the causes that can damage it.

    Getting started

    As a first step, it's important to get used to the credit score scale that's used by the credit agencies that set it. After all, every adult in the UK has a credit score and lenders use this as an index to help them decide if they're prepared to offer you credit, and if so, at what rate of interest.

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    Read more about credit score guide

  • How to improve your credit score?

    How do I improve my credit score? This is perhaps the most common question people ask when it comes to credit score, particularly if there's clear room for improvement.

    If you want to grow your credit score then you can do so by following our top 10 tips:

    1. Pay your bills on time

    Payment history makes up a huge 35% of your total credit score and is therefore the most important factor to consider. If you're a regular late payer, or miss payments altogether, then your credit score is never going to improve.

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    2. Settle your bills twice a month

    There's no rule to say you can't pay your bills more frequently. Splitting your bills so that you pay them twice a month will look good in the eyes of the agencies that set credit rating and your credit score will receive a boost as a result.

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    Read more about how to improve your credit score

Get your 30 day trial* from MyCreditMonitor and start improving your credit rating

* After your 30 day free trial, a monthly membership fee of £14.99 applies. You can contact us to cancel within your free trial and no fees will be payable. If you cancel after your free trial, no further monthly fees will be payable from the date of cancellation. However, no monthly fees already paid will be refundable. Full membership benefits are subject to credit reference agency validation of your identity.

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