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Equifax UK | Credit Scores and Credit ReportsEquifax helps you track your credit score, get alerts, and find tailored credit and loan offers to stay in control of your financial health.Equifax UK | Credit Scores and Credit Reports Personal Business Support United Kingdom Close Americas USA English Brazil Portuguese Canada English French Mexico Spanish Argentina Spanish Peru Spanish Chile Spanish Costa Rica Spanish Ecuador Spanish El Salvador Spanish Honduras Spanish Paraguay Spanish Uruguay Spanish Europe Portugal Portuguese United Kingdom English Spain Spanish Asia & Oceania Australia English New Zealand English India English Personal Business Products & Services Close Equifax Products Get peace of mind when you choose from our comprehensive credit monitoring and identity theft protection plans. Equifax Credit Report & Score Equifax Family & Friends Statutory Credit Report Compare our products Equifax Products Equifax Credit Report & Score Equifax Family & Friends Statutory Credit Report Compare our products Compare Offers Close Equifax Marketplace Find credit cards, personal loans, homeowner loans and car finance offers tailored to you. Personal Loans Use our personal loan comparison tool to find the right deal for you and discover low-interest personal loans with ease. Credit Cards Discover rewards credit cards or compare balance transfer credit cards to find the most suitable option for you. Homeowner Loans If you need to borrow money and own a property, you could use it as collateral with a secured homeowner loan. Car Finance With loans, leases and hire purchase options all available, finding the right car finance option for your needs involves more than searching for the cheapest deal. Compare offers Equifax Marketplace Personal Loans Credit Cards Homeowner Loans Car Finance Compare offers Insurance Close Insurance Find insurance offers tailored to you. Car Insurance Compare a range of car insurance policies, from basic coverage to comprehensive plans, and find the perfect fit for your driving needs. Home Insurance Protect your property and belongings with buildings and contents insurance. Compare policies to discover coverage that suits your home. Insurance Car Insurance Home Insurance Knowledge Centre Close Mortgages Mortgages Whether you're thinking of buying for the first time or you just need to brush up on your knowledge, here's everything you need to know about getting and paying off a mortgage. How do mortgage applications work? Getting a no deposit mortgage with bad credit? How much can I borrow for a mortgage? Learn more about mortgages Identity Protection Identity Protection Identify theft is becoming a fast-growing problem but there are ways to protect yourself and your family. Here's some useful guides on staying safe online and how to recognise the signs of identity theft. How to spot and avoid romance scams Guide to avoiding contactless card fraud What is money laundering? Learn more about identity protection Identity Protection Identify theft is becoming a fast-growing problem but there are ways to protect yourself and your family. Here's some useful guides on staying safe online and how to recognise the signs of identity theft. How to spot and avoid romance scams Guide to avoiding contactless card fraud What is money laundering? Learn more about identity protection Money Management Money Management Getting to grips with your money needn't be tricky. Here's how to budget effectively, learn how to prioritise what you're spending on, and practical tips to help your money go further when it matters most. What is a trust fund? Closing down a bank account after a death What is Marriage Tax Allowance? Learn more about money management Debt Management Debt Management Borrowing money can be a good thing - if you repay your debts in time, you can show lenders that you're responsible and build up your credit score. However, if you're starting to struggle with your debt, here are some practical tips and guidance on how to begin sorting your finances out.  The CCJ Register Explained Understanding County Court Judgements How does debt consolidation work? Learn more about debt management Loans & Credit Loans & Credit Whether you're getting a loan for the first time or you want to learn how to manage your credit more effectively, here's the place to learn more about how credit used wisely, can help you. Getting A Mobile Phone Contract With Bad Credit What are 0% interest credit cards? Balance transfers explained Learn more about loans & credit Student Guides Student Guides You'll do a lot of learning at university - and it's the perfect place to figure out how to best manage your money. Here are some practical tips and guidance to help you stay in the black while you study. Student loan repayments What is a student overdraft? See more student guide Explore our Knowledge Centre Knowledge Centre Mortgages How do mortgage applications work? Getting a no deposit mortgage with bad credit How much can I borrow for a mortgage? Learn more about mortgages Identity Protection How to spot and avoid romance scams Guide to avoiding contactless card fraud What is money laundering? Learn more about identity protection Money Management What is a trust fund? Closing down a bank account after a death What is Marriage Tax Allowance? Learn more about money management Debt Management The CCJ Register Explained Understanding County Court Judgements How does debt consolidation work? Learn more about debt management Loans & Credit Getting A Mobile Phone Contract With Bad Credit What are 0% interest credit cards? Balance transfers explained Learn more about loans & credit Student Guides Student loan repayments What is a student overdraft? See more student guides Explore our Knowledge Centre Free Trial Log In Log In More than just a scoreMonitor your credit score, get alerts and find personalised credit card and loan offers to help you live your financial best.Check free* score*Free for 30 days then £14.95 a month.Cancel anytime. Report & Score updated daily upon loginTraffic light system, identifying parts that need attentionActionable hints and tips within your report24/7 Identity protection toolsFREE Rewards cardMarketplaceIn partnership with Compare loans, credit cards and car financeEquifax has partnered with Aro to offer Marketplace where you can find loan, car finance and credit card offers tailored to you and your needs. Discover if you're pre-approved in just a few clicks, all without affecting your credit score.Compare offersmyEquifaxFeatures of the Equifax Credit Report & ScoreExplore the features and benefits of the Equifax Credit Report & Score Access to your credit report & scoreGet a detailed view of your credit report and credit score out of 1000 with Equifax Credit Report & Score.Find out more Protect your identityEquifax can help you keep your identity safer. As part of your Equifax Credit Report & Score, WebDetect alerts you if it finds your financial details on websites used by fraudsters to trade personal information.Find out more A free 12 month tastecard including Coffee ClubWith all our paid subscriptions, you’ll receive a digital 12 month tastecard giving you access to discounts and offers on dining, coffee, pizza delivery, cinema and days out (access removed after cancellation).Find out moreOur Services Family & Friends PlanAll the benefits of Equifax Credit Report & Score for up to 3 users, potentially saving £240 per year! Great for those making financial decisions together or simply looking out for loved ones.First 30 days FREEthen £22.95 a month. You can cancel at any time.Start free* trialFind out more Equifax Credit Report & ScoreA detailed view of your enhanced credit report and score out of 1000. Also included are a range of Identity Protection features to help safeguard your information. First 30 days FREEthen £14.95 a month. You can cancel at any time.Start free* trialFind out more Statutory Credit ReportYour free statutory credit report shows you the information Equifax has about your credit history. FREEStatutory Credit ReportSIGN UP NOWFind out more*Your first 30 days are free then it’s £22.95 a month for Equifax Family & Friends Plan or £14.95 a month for Equifax Credit Report & Score. You can cancel at any time.BusinessFrom onboarding to offboardingWhether you want to get more from less, add layers of protection or find better ways to support consumers, we could be what you're looking for. Join the hundreds of businesses using our data, tech and analytics throughout the full customer lifecycle.Explore end to end capabilitiesRead the latest insightsPractical tips on everyday money mattersStart your journey towards better financial well-being with our straightforward, jargon-free guidance. Find useful information and tips and tricks on a range of financial subjects.Money ManagementIdentity ProtectionLoans & CreditDebt ManagementMortgagesStudent GuidesGo to Knowledge CentreVulnerable Consumer SupportAdditional resources for consumers with vulnerabilities.Find out moreOnline HelpAsk questions and raise disputes on the online portal. Go to Online HelpOther Contact SupportFind out more support options on our contact pageContact usPreviousNext Frequently asked questionsWhat is a credit report?A credit report is a detailed record of your credit history. It includes information about your credit accounts and past payments, among other things. Lenders use this report to assess your creditworthiness for things like new credit cards, loans or mortgages. Doing a credit check is an important step towards understanding your credit history.How is my Equifax credit score calculated?Your Equifax Credit Score is between 0-1000 and is calculated using the information within your credit report. A variety of factors can affect your credit score. These include timely payments, credit utilisation, new credit accounts, and your history of credit repayment.How often does my credit score change?Credit scores can change whenever new information is added to your credit report. This can happen any time a creditor reports something about your account. Therefore, your credit score can technically change as frequently as daily.Your Equifax Credit Report will refresh when you log on, a maximum of once a day, to reflect any changes to your credit information.Can I check my credit score without negatively impacting it?Yes, checking your own credit score is considered a "soft inquiry" and does not affect your credit score. However, "hard inquiries", which is when a lender checks your credit due to an application for credit, may impact your score.How can I improve my credit score?You can improve your credit score by making timely payments, reducing the amount of debt you owe, not opening unnecessary new credit lines, and regularly checking your credit reports for accuracy.Equifax Report and Score makes taking control of your credit report and scores easy and straightforward. Get your free credit score and free credit check today.How long does negative information stay on my credit report?Most negative information, like late payments, will stay on your credit report for seven years. Some serious negative information, such as certain bankruptcies, can stay on your report for up to 10 years.Shrink your worries, grow your credit scoreEquifax Credit Report & ScoreTry our premium service, including credit alerts and identity protection for free for 30 days.Start 30 Day free trial*Your first 30 days are free then it’s £14.95 a month. You can cancel at any time.Equifax Family & FriendsGet all the features of the Equifax Credit Report & Score for three adults, a saving of £240 over 12 months.Start 30 Day free trial*Your first 30 days are free then it’s £22.95 a month. You can cancel at any time. 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