Smart Loans UK
Check your credit score
Have you been declined for credit and want to know why? Access your score and report today.
Credit information services provided by FCA authorised firm 618190 William Ellis Sinclair (WES), contact will include email, SMS & phone.
†† Credit Information Services are provided by William Ellis Sinclair (WES), who may refer you to a third party provider. All providers offer a minimum free 3 day trial, followed by a monthly cost of £10-£30. In the case of checkmyfile there is a 30 day trial which can be cancelled anytime. We receive an introducers fee for this service. We are unable to tell you which provider you will be referred to in advance of your application.
View your credit score & report
Access your credit report and score. Discover what lenders see when assessing your loan application.
Check your loan affordability
See how much you can borrow and understand what affects your score.
View your financial links
Review who is financially associated to you and who impacts your ability to get credit.
Take control of your finances
View your credit score & report today
How is your score calculated?
The credit score is based on a range of financial factors. These factors include how often you apply for credit, how much money you have borrowed and owe, and whether you regularly make repayments when required.
Your score can be negatively affected by late payments or if you default on a payment. You can improve your score by making regular repayments and being registered on the electoral roll. All of these factors are considered by companies when they are making their decision.
What is considered a good credit score?
The higher your credit score the more likely you will be accepted but there isn't a definitive number that guarantees this. Depending which company you apply for credit with they will have different criteria. A company may accept your credit application while other companies may not.
A free credit score can provide a helpful guide and give you a better understanding of how companies may view your application. This way you'll be able to make a more informed decision when you need to apply for credit.
Credit score guide
Excellent
You can apply for the best loans, mortgages and credit cards offered.
Good
You should be able to apply for most loans, mortgages and credit cards but some deals may not be available.
Fair
Your credit limit options may be limited but you should be able to access decent interest rates.
Poor
You might be accepted for certain loans, mortgages and credit cards but they could have higher interest rates.
Very Poor
You might be rejected for most loans, mortgages and credit card offers that are available until your score improves.