Won't affect your score
Find better deals
How does it work?
You’ll get your score in just minutes, and it’s absolutely free. You can come back and check it as often as you like or request updates if your score changes.
Use your score to find out if you can get approved for a personal loan or a credit card, with our feature.
Three simple steps
1. Become a member
This will let you access your score and other benefits.
2. Verify your ID
Answer questions to prove that you're... you!
3. Check your score
Get your score and more valuable insights.
Use your credit score to apply for financial products with confidence
Finder’s ‘chance of approval’ rating indicates your likelihood of getting accepted for a credit product like a loan or a credit card. This can help you protect your credit score by avoiding applications for products you might not be eligible for.
What financial products may require a good credit score?
The higher your credit score, the easier it is to get approved for a mortgage at a competitive rate
Lenders will look at your credit score (along with other factors) and a lower score may make it hard to get approved.
Some credit card applications may require a good credit score, especially if you want a higher credit limit.
What is a credit score?
Your credit score is a number that represents how creditworthy you are – it demonstrates your reputation as a borrower. The higher the score, the more creditworthy you appear.
The higher the better when it comes to credit scores and, based on the scoring system you’ll receive through Finder, above 670 is a very good score and above 810 is considered excellent.
What’s the difference between a credit score, a credit rating and a credit report?
Your credit report or history is a detailed record of your borrowing history, with information such as the loans you have held and applied for. It also includes personal information such as your name and address.
Your credit score is a number that is calculated using the information on your credit report. Your score determines your credit rating which could be “very poor”, “poor”, “fair”, “good” or “excellent”.
When deciding whether to take you on as a customer, lenders will usually look at your more recent financial history to determine their decision. However, your financial decisions, both good and bad, will remain on record for up to six years.
There is no single, definitive credit score for an individual. Each credit reference agency (CRA) uses a different scale. Lenders will normally check with one or more of these agencies when assessing your application for credit. These are the scoring ranges employed by the main UK CRAs (the higher the number, the better the score).
Experian: 0 – 999
Equifax: 0 – 1,000 (formerly 0 – 700)
TransUnion (formerly Callcredit): 0 – 710
Depending on your score, you’re said to have excellent, good, fair, poor or very poor credit:
|Experian||0 – 560
561 – 720
721 – 880
881 – 960
961 – 999
|Equifax||0 – 438
439 – 530
531 – 670
671 – 810
811 – 1,000
|0 – 550
551 – 565
566 – 603
604 – 627
628 – 710
|1: Very poor
Having a decent credit score will make it easier to get approved for credit cards and is also likely to affect the credit limit and interest rate that you’re offered by lenders.
Your questions answered
Why should I request my credit score through Finder?
Knowing your credit score will give you a good grasp of your financial position and help you feel more confident when you’re making decisions about your money. Finder Credit Score is free, and our expert team have created guides tailored to different scores to explain what’s what and why. We also have a customer service team on hand to answer questions.
It's free - what's the catch?
There’s no catch. Finder is on a mission to help Brits make better financial decisions. We believe everyone should get access to their credit score for free to help them understand what it means, how to build it and how to access the best possible rates when borrowing. When you sign up, you’ll become a Finder member, which means you’ll also be able to access exclusive content and special deals.
How does access to my score work?
You view your score through your dedicated dashboard. The score is supplied by Equifax, one of the UK’s leading credit reference agencies.
You can log in to your Finder account and check your score at any time. Your credit score history is updated every month – and we’ll contact you each month to let you know what’s changed, if anything.
Does checking my score affect it?
No. Checking your score won’t affect it. It’s considered a “soft” inquiry. If you apply for a loan, the prospective lender makes a “hard” inquiry, which could affect your score.
What about my credit report?
Coming soon! Finder will be launching access to credit reports soon, and this will also be free.