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, contact will include email, SMS & phone.
†† Credit Information Services are provided by William Ellis Sinclair, 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.
Access your credit report and score. Discover what lenders see when assessing your loan application.
See how much you can borrow and understand what affects your score.
Review who is financially associated to you and who impacts your ability to get credit.
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.
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.
You can apply for the best loans, mortgages and credit cards offered.
You should be able to apply for most loans, mortgages and credit cards but some deals may not be available.
Your credit limit options may be limited but you should be able to access decent interest rates.
You might be accepted for certain loans, mortgages and credit cards but they could have higher interest rates.
You might be rejected for most loans, mortgages and credit card offers that are available until your score improves.
We don't charge a fee, but there might be a charge from some lenders within our network. Smart Loans UK is a trading style of William Ellis Sinclair. We do not make lending or credit decisions, we are not a lender. As a broker we match customer's loan applications with lenders in our database depending on the information provided. William Ellis Sinclair is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 618190 with registered address 8a Dunraven Place, Bridgend, CF31 1JD. Licensed by the Information Commissioners Office (registration number ZA033005).