There is no single credit score
In the UK there are three main credit reference agencies: Experian, Equifax and TransUnion. Each keeps its own file on you and produces its own score. Lenders do not see those scores; they see your underlying report and apply their own scoring.
What is on your report
- Credit accounts and how you have repaid them
- Missed payments, defaults and county court judgments
- Bankruptcies, IVAs and debt relief orders
- Whether you are on the electoral roll
- Searches made by lenders in the last 12 to 24 months
- Financial links to people you share credit with
Quick ways to improve your profile
- Register on the electoral roll at your current address
- Keep card balances well below their limits
- Set up direct debits so you never miss a minimum payment
- Close old accounts you do not use only if they cause confusion, as long histories help
- Correct any errors with the agency that holds them
How long negative marks stay
Most negative records, including defaults and missed payments, stay on your file for six years from the date they were recorded, even once settled.
Common questions
Can I check my credit report for free?
Yes. Each of the three agencies offers free access to your statutory report, and several free services show your report and score.
Does checking my own score lower it?
No. Checking your own file is a soft search and is not visible to lenders.
This guide is general information, not personal financial advice. If you are worried about debt, free help is available from MoneyHelper, StepChange and Citizens Advice.