Checking Your Credit Rating Online For Free Image 1

Checking Your Credit Rating Online For Free

There are three main credit reporting agencies in the UK – Callcredit, Equifax and Experian. All three track customer credit and report to lenders, but all three are slightly different in their reporting and the services they offer.

Each agency also has a different way to access their services for free. All the methods are somewhat different but we’re going to take you through each one in a step by step way and explain the features they offer in brief.

It’s also worth noting you can also request full statutory credit reports from Callcredit, Equifax and Experian for £2 by following these links.

Callcredit – Access Your Credit Rating Free Via Noddle

Noddle is a site run by Callcredit, with its own branding and unique look. Here you can easily get your free credit rating by heading to and clicking ‘get your free credit rating’.

Fill in the form that come up next as accurately as you can – this is very important as you need to accurately provide your address history by find your correct current and/or former postcodes from the list. Next you need to add your debit card details – you won’t be charged by Noddle and this is basically a way of linking to your bank to confirm your identity and access previous records.

Finally, you’ll need to answer some identifier questions about your accounts and yourself to fill in further information. Then you’ll need to create a username and password. Don’t forget to avoid receiving email spam by unticking those boxes.

To log into the service just go to the email you put in and get your activation code. Once you’re in your credit rating should appear to the left of the screen. You can also access more detailed information and carry out ‘soft searches’ for loans and credit cards, which will not affect your credit rating.

Experian – Access Your Credit Rating Free Via Experian’s Website

You can also access your Experian credit rating in a similar way to Noddle – Experian’s service is fairly similar in that respect. Start off by heading to and hitting the big button that says ‘get my score free forever and compare’.

Again, head through their registration process and confirm your identity. You’ll need your bank account number for this and it’ll ask you to confirm the account that you use.

Once you get through you’ll get similar access to soft searches for loans and cards through Experian, and your credit rating will also be shown on the site. It’s fairly similar to Noddle but it’s a good idea to get your score from multiple agencies and compare the results

Equifax – Access Your Credit Rating By Signing Up For A 30 Day Free Trial

The system used by this third credit agency is somewhat different. To access your credit rating through Equifax you’ll need to fill out a long form in order to get a free 30 day trial of their services by heading to and clicking the ‘get your free* credit report and score’ button.

Now in order to make sure you don’t end up paying the £14.99 per month fee at the end of your trial it’s vitally important that once you’ve gone through the registration process, filling out your details etc, you must cancel your free trial before the 30 days is up.

Otherwise, the Equifax service is pretty similar to the other two – less convenient to have to register for free trial and then unregister every time.