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What you get with your credit report

personal credit

Personal credit report

Access to your Credit Report, score and rating

improve credit

Improve your credit rating

We give you tools, guidance and tips to help you improve your credit score

profile monitoring

24/7 credit profile monitoring

We'll monitor your credit profile and alert you to any significant changes

alert Text or email

Alerts via text or email

You can choose how we alert you

protect yourself

Protect yourself

See who's made searches on your credit profile and spot potentially fraudulent activity

Get more help from our useful guides

A basic guide to credit score

What is a credit score? Why do I need a credit report? If you've started to ask yourself questions like these, the overall topic of credit score probably still seems a bit daunting. That's why it's important to start with the basics. By learning the basics of credit score, you'll gain a platform of knowledge that you can use to your advantage for years to come. And you might just be surprised at the range of financial benefits that getting to grips with credit score can bring.

Find out who sets your credit score, how it's calculated and the full range of scores that can be given to you. Also, learn why growing a strong credit score can only be good news for your long term financial health and how lenders reward high credit scores with lower interest rates and more favourable deals.

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