• Credit report card gives a useful summary
  • Can compare your score with others in your area
  • Strong security with encryption, monitoring and screening logo

Staying on top of your credit is important if you want to make smarter, more informed financial decisions, and you can do so by using one of many credit reference agencies (CRAs) available online. is an example of one of these CRAs that provide its users with free access to their credit score, allowing people to manage their credit and improve upon it if needs be.

In this review, we explain the benefits of using the website, whether it’s safe, and how you can determine what a ‘good’ credit score is.

What is is a company that distributes free credit scores to consumers globally, providing its users with expert advice about how they can improve their score and which products (credit cards, loans, etc.) are best for their situation, based on information from their credit status.

Using helps you manage your credit more efficiently and allows you to stay in control of your finances. You are able to identify when you need to improve your credit score and can receive help to make smarter choices in order to actively work towards a healthier credit rating. free credit report card and score

Signing up to is as easy as it gets – you simply type your email and chosen password, enter your contact details, and answer a few quick questions to verify your identity.

These verification questions usually relate to your credit history, for example, when you last opened a current account or whether you have a mortgage or not. They are included to protect your personal data and ensure that the details within your credit report don’t fall into the wrong hands.

Once you’re signed up, you get a quick snapshot of your credit report completely for free. Although it’s not as in-depth as a full credit report, you do receive your score and some details regarding your credit, presented on a clear personalised dashboard.

The free credit report card is a small summary of your credit status, breaking down the five main areas of your credit score, so that you are able to gauge a better idea of where you stand and how you could improve your rating.

Despite not providing users with the level of detail that a full Experian credit report would, the free report card is a concise, yet useful resource for consumers looking for a quick explanation of their financial situation.

There are other ways of retrieving your full credit report with Experian CreditExpert, which costs just under £15 a month. You can learn more about the premium service by reading our Experian review.

On, your credit score is presented on a scale of ‘Very Poor’ to ‘Excellent’, and the report card contains a well-designed colour-coded scale to help you gauge an idea of where you stand in comparison to the rest of the country.

Your free credit score updates every couple of weeks and you’re able to log in as many times as you like, without damaging your score.

The website offers more than just a free credit score, as you’re given information regarding the factors that have influenced your score, how you compare with others in your area, and it also gives you an idea of the best credit cards and loans that you’re most likely to be eligible for.

Knowing which credit cards you’re likely to be accepted for before you apply is hugely important, as you could negatively impact your credit score further if you’re rejected. It’s a vicious cycle, because once you’ve been rejected for credit once, your chances of being accepted in the future decline rapidly.

There’s a personal advice service available for all at no cost, helping you understand your credit score and how you could improve it, so let the experts help you avoid applying for credit that you’re unlikely to be eligible for.

Is safe? is a safe credit score website, using encryption ‘as safe as banks’ to protect your data from hackers. The website’s systems are monitored each and every hour of the day, which has helped provide its users with services for over 17 years without major disruption.

Using encryption, monitoring, screening and identity verification, the website remains a safe way to check your credit and keeps your data protected.

Which score does use?

As previously mentioned, uses data provided from one of the world’s leading credit reference agencies (CRAs), Experian.

If you’d like to view the data held on you by more than one CRA, then Checkmyfile could be of use to you. To find out more about how it works, head over to our Checkmyfile review!

What is Experian?

Experian is a consumer credit reporting company and one of the largest and most trusted CRAs in the world, holding data on over one billion people and businesses worldwide.

Experian provides with the financial and personal data it needs to give you a general overview of your credit status, including your credit score, details about your accounts and electoral roll information. Check out our full Experian review here for further detail!

What is a good credit score in the UK?

There’s no such thing as a universal credit score, because each CRA uses different factors to determine your report and uses different figures to categorise your score into ratings (from ‘Very Poor’ to ‘Excellent’).

It’s highly likely that you’ll get different ratings with each CRA, but 77% of lenders reportedly use Experian, so the score you receive from does tend to be reliable.

Here are some of the factors that affect your score:

  • Your total debt
  • The types of accounts you have opened
  • The number of late payments or non-payments under your name
  • How long you’ve held your accounts for
  • Any court judgements against you

The Experian credit score ranges from 0 to 999 in the UK and 300-850 in the USA, but there are five different ratings: ‘Excellent’, ‘Good’, ‘Fair’, ‘Poor’, and ‘Very Poor’. The average credit score generally tends to be towards the lower end of ‘Fair’.

Unhappy With Your Credit Score?

If you are unhappy with your credit score, there are plenty of ways that you can improve it. For example:

  • Disassociate yourself from financial associates that aren’t relevant
  • Get on the electoral roll
  • Close unused credit cards and phone contracts
  • Don’t miss repayments
  • Build a credit history with a credit card

Your credit is an ever-evolving entity, it will increase and decrease in line with your financial behaviour and how well you manage your repayments, so don’t be discouraged if it’s currently lower than you’d like. There’s always time to improve! reviews

Consumer reviews are useful tools to use when researching the reliability of any company, and credit reporting websites are no different. scored an impressive 4/5 on Trust Pilot, based on over 1,300 reviews, demonstrating its trustworthiness and that consumers are generally happy with the service they received.

The app

Perhaps one of the most prominent benefits of is its impressive smartphone app, which has been developed to give you access to all the features of your account without having to use your laptop or PC.

Whether you’re on the move or simply want a quick look at your credit score while at home, the app has been designed to be as accessible and resourceful as possible.

The free app not only gives you access to your credit score, but also your credit report card, which can help you compare your score with the rest of the country. You’re able to view your late payments, credit card debts, and how you can improve your credit status, all at your fingertips. credit report

However, it seems that UK customers tend to have some trouble using the app, as it’s mainly catered to those in the USA. Review Summary provides users with valuable credit information from a reliable source in Experian, and displays that information in a clear and user-friendly manner.

It’s a service similar to the likes of Noddle (Credit Karma) and there’s not much that’s truly unique about the products offered, but it gives users a totally free credit score and a brief insight into what factors are impacting that score, which is always worth checking out. You never know, you may uncover information about your credit that you’ve never seen before!