Free Credit Score Check & Guide

Whether you're looking to take out a personal loan or you'd like to apply for a credit card, your credit score is a crucial factor. Download the Zable app to see:

Your free Equifax credit score
Personalised tips on how you can improve your score
How your score compares to others in your area and age range
Plus keep track of your expenses with our spend tracker

Download the Zable app

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What is a credit score?

A credit score is a number that reflects how you've managed credit in the past, based on the information in your credit report.

There are three big independent ‘credit bureaus’ that generate and store these scores called TransUnion, Experian, and Equifax.

You might notice that your score differs depending on the bureau the information is coming from, but they all tell a similar story. If you have a good credit score with one agency, you’ll likely have a good score with another. The higher your score, the better your chances of getting approved for credit. Discover more in our guide why your credit score is different on different sites.

Rating	Equifax	Experian	TransUnion
Very Poor	-	-	0 - 550
Poor or Low	0 - 438	0 - 640	551 - 565
Fair	439 - 530	641 - 860	566 - 603
Good	531 - 670	861 - 1000	604 - 627
Very Good	671 - 810	1001 - 1120	-
Excellent	811+	1121 - 1250	628 - 710

Note: Experian’s score used to be out of 999, but it changed in Autumn 2025.

How is a credit score calculated?

Your credit score is a reflection of your credit behaviour in the past. Some of the factors that credit scoring models will consider when calculating your score include:

The number of accounts you have
Your payment history (paying bills on time)
The length of your credit history
Your available credit vs used credit
The types of accounts you have

Read more about what affects your credit score.

Financial expert, Adam McAllister — Adam McAllister
Head of Growth

How to improve your credit score

There are several steps you can take to improve your credit score, which can make it easier for you to secure a loan or credit card in the future.

Some of the steps include:

Using a credit card responsibly and making repayments on time.
Keeping your balance under your available credit limit.
Keeping your longest running bank account open.
Reporting your rent payments to credit reference agencies.
Checking for errors in your credit report.
Registering to vote to prove your permanent address.

How can I check my credit score?

Download the Zable app to get a clear picture of your credit profile.

Once in the app, tap ‘Credit Score’ to be able to see your Equifax credit score, what’s boosting your score, what improvements you can make, and how your score compares to others in your area and age range.

Download the Zable app

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Credit score FAQs

Why should I check my credit score?

Checking your credit score is the first step you can take to improve it. This, in turn, can help boost your chances of getting approved to borrow money, and even help you get better rates.

On top of that, checking your credit report allows you to quickly spot signs of identity theft, such as unknown accounts being opened in your name.

What if there's incorrect information in my credit report?

If you find incorrect information, you should dispute it directly with the Credit Reference Agency (CRA) that holds the data. The CRA will then launch an investigation with the original lender to verify the information. If the data is found to be wrong, it will be corrected or removed from your file.

If my credit score is low, will I still be able to borrow?

It’s possible to borrow with a low credit score, but not guaranteed. Read more about loans for bad credit scores and cards for bad credit scores.

What credit score do you need for a mortgage?

There is no single minimum credit score required for a mortgage, as every lender uses its own criteria and scoring system.

A higher score (typically in the ‘Good’ or ‘Excellent’ range) increases your chances of approval and helps you access the most competitive interest rates, while a lower score may result in fewer options, higher interest rates, or a requirement for a larger deposit.

What credit score is needed to buy a car?

There is no definitive number when it comes to what credit score is required to purchase a new car. The credit requirements can vary from lender to lender, each using its own policies to evaluate your financial health based on your credit report.

As with any loan, the higher your credit score, the more likely you are to have your credit application approved. However, if you are applying to purchase a car using finance, you should find that you are still able to obtain the loan you need, even with a low credit score.

How to improve your credit score