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Credit score tools compared (UK)
This page provides general information about some of the ways people in the UK can view or monitor their credit scores, and broad differences between services.
High‑level comparison
| Service | Cost | Update frequency | Data source(s) | Key features |
|---|---|---|---|---|
| Experian | Free monthly score; CreditExpert plan (paid) | Monthly (free) or daily (paid) | Experian | Credit score and report; identity‑protection and fraud alerts on paid plans |
| Equifax | Paid subscription | Monthly | Equifax | Score and report with identity monitoring; limited free access |
| ClearScore | Free | Monthly | Equifax | Credit score and report; personalised coaching and product suggestions |
| CheckMyFile | Free 30‑day trial then £14.99/month | Daily | Equifax, Experian, TransUnion, Crediva | Multi‑agency report; credit alerts and improvement tips |
| Credit Karma | Free | Weekly | TransUnion | Score and report; loan and credit card recommendations; credit alerts |
| TotallyMoney | Free | Daily | TransUnion | Credit score and report; personalised insights and product matches |
Overview of selected credit‑score services
Experian
Experian offers a free credit score updated once a month. Its paid CreditExpert plan provides your full credit report, daily score updates, identity‑protection services and alerts to changes.
Equifax
Equifax operates a paid subscription that includes your credit score and report plus identity‑protection tools. Unlike some competitors, Equifax does not provide an ongoing free tier.
ClearScore
ClearScore uses Equifax data to give you free access to your credit score and report. The service also offers coaching suggestions and product recommendations based on your profile.
CheckMyFile
CheckMyFile combines data from the major UK agencies – Experian, Equifax, TransUnion and Crediva – into one report. It offers a 30‑day free trial and then charges a subscription, with daily updates and advice on how to improve your score.
Credit Karma
Credit Karma is free to use and shows your TransUnion‑based credit score and report. It updates weekly and provides recommendations for loans or credit cards that may suit your circumstances.
TotallyMoney
TotallyMoney uses TransUnion data to give you your credit score and report with daily updates. The service is free and offers alerts to changes along with personalised insights and product matches.
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