Credit Check Online: Top 10 UK Platforms to Check Your Credit Score

10th Feb 2026

Monitoring your credit score is an essential financial habit. Whether you’re preparing for a mortgage, planning a loan, or simply keeping track of your finances, performing a credit score check can help you spot errors, detect fraud, and make informed financial decisions.

With numerous online platforms available in the UK, each offering different features, it can be challenging to determine which service suits your needs best. This guide compares the top 10 platforms to check your credit score, including features, costs, and benefits, so you can choose the platform that fits your requirements.

Why Checking Your Credit Score Matters

Your credit score is a three-digit number representing your creditworthiness. Lenders, landlords, and some employers use it to assess your reliability. Regular credit score checks can help you:

• Secure better interest rates on loans and credit cards
• Improve approval chances for credit applications
• Detect errors or fraudulent activity on your credit file
• Understand your financial health and areas for improvement

In the UK, credit scores are provided by three main credit reference agencies: Experian, Equifax, and TransUnion. Different platforms may use different agencies, which can result in variations between scores.

Top 10 Platforms to Check Your Credit Score in the UK

Here’s a detailed comparison of popular platforms to perform a credit score check in the UK.

1. Credit Check Online - Detailed TransUnion Reporting

Credit Bureau: TransUnion
Cost: Low-cost introductory offer for the first month, then subscription-based
Best For: Users seeking detailed reports with monitoring and fraud alerts

Key Features:

• Full TransUnion credit report with detailed account breakdowns
• Payment history, account balances, and public records
• Identity fraud alerts and monitoring
• Regular updates during subscription
• Clear explanations of credit reports
• UK-based platform with GDPR compliance

Who It’s For:
Credit Check Online is suitable for individuals who want detailed insights, ongoing monitoring, and proactive fraud alerts. It is particularly useful for users planning major financial decisions such as mortgages or loans.

2. ClearScore - Free Option with Equifax Data

Credit Bureau: Equifax
Cost: Free

Key Features:

• Free Equifax credit score and report
• Monthly updates
• Personalized credit product recommendations
• Basic credit monitoring alerts
• User-friendly mobile app

Who It’s For:
ClearScore works well for users who want to perform casual credit score checks without paying for a subscription.

3. Experian UK - Free Basic Score with Premium Options

Credit Bureau: Experian
Cost: Free basic score; premium plans from £14.99/month

Key Features:

• Monthly credit score updates
• Statutory credit report for a small fee
• Premium monitoring with fraud alerts and identity theft insurance
• Web monitoring to detect personal details online

Who It’s For:
Ideal for users who want Experian data directly or require premium features including identity protection.

4. Credit Karma - Free TransUnion Access

Credit Bureau: TransUnion
Cost: Free

Key Features:

• Free TransUnion credit score with weekly updates
• Credit report with account details
• Product recommendations

Who It’s For:
Good for users who want free TransUnion scores and basic credit monitoring, without detailed reporting or advanced fraud protection.

5. CheckMyFile - Multi-Bureau Reports

Credit Bureau: Experian, Equifax, TransUnion, Crediva
Cost: £14.99/month after 30-day trial

Key Features:

• Consolidated credit reports from all four UK agencies
• Comparison of discrepancies between bureaus
• Monthly updates

Who It’s For:
Users preparing for major credit applications or who want to ensure all their credit files are consistent across agencies.

6. Equifax UK - Direct Access to Equifax Data

Credit Bureau: Equifax
Cost: Free basic service; premium plans from £7.95/month

Key Features:

• Free basic credit score and statutory report
• Premium monitoring with alerts
• Credit score simulator to see potential impacts

Who It’s For:
Suitable for users who need Equifax data or want mid-range monitoring with actionable insights.

7. TotallyMoney - Free Score with Credit Matching

Credit Bureau: TransUnion
Cost: Free

Key Features:

• Free TransUnion credit score
• Credit product matching based on your score
• Eligibility checks without affecting your score
• Monthly updates

Who It’s For:
Ideal for users actively looking for credit products and checking eligibility before applying.

8. MoneySavingExpert Credit Club - Free Basic Monitoring

Credit Bureau: Experian
Cost: Free

Key Features:

• Free Experian credit score and monthly report
• Credit improvement tips
• No product advertisements

Who It’s For:
Best for users wanting ad-free basic monitoring and straightforward insights.

9. Finder UK - Credit Insights and Comparisons

Credit Bureau: TransUnion
Cost: Free

Key Features:

• Free TransUnion credit score
• Credit product comparison tools
• Monthly updates
• Educational guides and resources

Who It’s For:
Users who want to combine credit score checks with financial product research.

10. Bank & Lender Credit Tools - Convenient Access for Customers

Credit Bureau: Varies by provider
Cost: Free for existing customers

Key Features:

• Free credit scores for account holders
• Access within banking apps
• Monthly or quarterly updates

Who It’s For:
Casual monitoring for bank customers who want convenience without subscribing to a separate service.

Tips for Using Credit Check Platforms

Regardless of which platform you choose, keep these points in mind:

• Check all three major credit bureaus periodically for accuracy
• Look for errors or fraudulent accounts
• Understand soft vs. hard credit checks - your own credit score check is soft and doesn’t impact your rating
• Use monitoring to catch identity fraud early
• Review subscription terms to understand costs after introductory offers
• Keep login credentials secure

Frequently Asked Questions

1. What is Credit Check Online?
Credit Check Online is a UK-based platform offering detailed TransUnion credit reports, ongoing monitoring, and fraud alerts for consumers who want clear insights into their credit health.

2. Is Credit Check Online free?
It offers a low-cost introductory period for the first month, after which a subscription is required.

3. Can I check my credit score for free in the UK?
Yes, platforms like ClearScore, Credit Karma, TotallyMoney, and MoneySavingExpert Credit Club provide free credit scores. Free services may have fewer features compared to subscription services.

4. Which credit bureau should I check in the UK?
All three - Experian, Equifax, and TransUnion - since different lenders may use different bureaus.

5. Will checking my credit score affect my rating?
No. Personal credit score checks are soft searches and do not impact your credit rating.

6. How often should I check my credit score?
Monthly checks are sufficient for most users. If planning major credit applications, checking 3–6 months in advance can help detect errors or discrepancies.          

Conclusion

Regular credit score checks are essential for maintaining financial health. Free platforms are suitable for casual monitoring, while subscription services provide more detailed reporting, ongoing monitoring, and fraud alerts.

Credit Check Online offers UK-specific reporting, detailed TransUnion insights, and monitoring tools designed for consumers who want actionable information and clarity on their credit health. By comparing the top platforms, you can choose the service that best matches your needs, whether it’s casual tracking or comprehensive financial management.