Experian: Credit Score 4+

Check Report & Compare Offers

Experian Ltd.

    • Free



The UK's most trusted credit score* is available for free. Get free access to a wide range of our services, from credit score checks, credit card comparison & eligibility and personal loan comparison & eligibility.

Your Experian Credit Score is a straightforward way of showing how lenders may view your application. As part of a credit check, companies may look to see whether you’ve paid back your credit on time, how much credit you currently have and how you’re managing it. The better your credit score the better your chances are of getting a credit card, loan or even a mortgage, along with great rates for each.

Compare credit cards and loans with us. Let Experian help by showing you the credit cards and personal loans you’re most likely to be accepted for, helping you save hassle and avoid too many unsuccessful applications impacting your credit rating.

Experian is a credit broker not a lender†, so we show you impartial search results.

Free Experian account features:
• Your Experian Credit Score on the go
• Credit card and loan comparison
• Summary of your total credit
• See how likely you are to get accepted for personal loans and credit cards before applying
• Tips, articles, videos and expert knowledge to improve your suitability for credit checks at your fingertips
• Quick and easy login with Touch/Face ID or PIN

CreditExpert subscriber get access to these additional features:
• Personalised tips on how to improve your credit score
• Score Influencers show you what’s positively and negatively affecting your Experian Credit Score
• Get your Experian Credit Score & Report updated daily
• Alerts notify of you credit score changes
• UK call support for credit report & score
• Timeline shows you a single view of your score history and alerts
• Web monitoring
• Dedicated fraud support

Checking your Experian Credit Score regularly won't affect your credit report or credit rating. What's more, the app search covers a range of selected credit cards and loans.

*Most trusted’ based on 59% of 1086 respondents. ICM Unlimited survey, June 2018.

†Experian acts as a credit broker and not a lender in the provision of its credit cards and personal, car finance and guarantor loans comparison services, meaning it will show you products offered by lenders and other brokers.

Experian acts independently and although our comparison service shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you. Comparison services are provided free however we will receive commission payments from lenders or brokers we introduce you to.

All free and paid for Experian consumer services are provided by Experian Ltd (Registered number 653331). Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 738097). Experian Ltd is registered in England and Wales with registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ. The web monitoring feature and its alerts within CreditExpert is not Financial Conduct Authority regulated activity.

What’s New

Version 6.10.1

Thanks for using Experian Credit Score! We're constantly tweaking the app to make your user experience even better.

Ratings and Reviews

4.9 out of 5
197.3K Ratings

197.3K Ratings

HerecomesDD ,

Top service from Experian

If you require an honest assessment of your Credit Score and rating the best to use is Experian. They never make a mistake that has to be corrected and I have never needed to complain about their credit score. One Credit Score Company had to be pulled up about their mistakes e.g. confusing me with someone of my name living in the same town, putting their overdue bills onto my report and worse taking well over 18 months to correct them. In that time waiting on tenterhooks for the bailiffs to arrive. Another made accusations from Banks I had never applied to for anything and allowed via a fake Microsoft Windows update criminals to infect my PC with a Trojan virus, send me a ransom email via gmail, change my passwords and access my Credit Score trying to find details of my banking. Be warned do not bank online. I do not so they failed but rendered my computer useless. Have nothing but praise for Experian backing me up and giving me courage to battle on by contacting the Financial Ombudsman, the Police and Action Fraud. Still waiting for that corrected Credit Report to be posted to me. One would have thought from their attitude, and they know who I mean), that I was the criminal. Use Experian.

wroote ,


I am little unhappy with Experian. My rating has stayed the same as it was before and all I get is a message to say you are unable to help or so it seems. All the other credit organisations still leave me high. I have not changed anything and I have changed items like you have me single when I have been married for 42 years, we own our home with no mortgage. It is crazy I have no idea why you reach the decision you do, as We
have no debt, we pay our credit cards on time and if full. May be you need to look at your system as it changes information and does not give the correct info back and the rate was quite high and you reduced it and then suggested to me to fill out your information in order to increase a score I already had. So we will see if someone bothers to contact me to discuss the matter.

Mark the payer ,

Experian knows nothing about my finances

I have been paying Experian £15 per month for the last 8 years whilst I try to rebuild my credit. During this time I have NEVER missed a payment for ANYTHING. I have a mortgage and a second mortgage. I have just repaid my second mortgage in full 50k. I have 2 personal credit cards. One with 1.5k and one with 5k. Had them both for 8 years + and both are paid in full by direct debit every month. I had a 15k loan from Santander over 36 months. Just 3 payments to go and never missed a payment. I have bought 4 brand new transit vans for my business. Paid cash for the first one 7 years ago because I couldn't get credit. Then bought another 2 using Ford credit. Both paid for now and never missed a payment. Currently paying for another one, never missed a payment. No tax arrears. Tax and national insurance paid on time every month for 6 staff. Never been late with a VAT payment. Never been late with Corporation tax bill. Never been late with self assessment tax bill. I have NEVER had my credit score moved out of 'FAIR' but I am offered over priced credit on a daily basis. Experian knows absolutely nothing about my credit worthiness. The most pointless £15 per month you could ever spend. Today my credit rating went down so I am just above 'POOR' in their eyes.

App Privacy

The developer, Experian Ltd., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Search History
  • Identifiers
  • Usage Data
  • Diagnostics
  • Other Data

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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