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Credit report & score

Credit reports and scores are used by banks and other lenders to check your credit worthiness. It gives them a clearer view of how likely you are to repay any money they lend. 

When you apply for a loan, mortgage or credit card, lenders will usually check your credit score before making a decision.

Check your score

What are credit scores?

Credit scores are a number, usually between 300 and 999 that credit agencies like Experian, Equifax and Transunion give you based on how able they think you are to repay lending. They use information from your credit report and other sources to calculate your score.

If your score is low is doesn’t necessarily mean you’ve done anything wrong, it may just be the credit agency doesn’t have enough information on you yet. Credit Angel uses Transunion, who score out of 710.

What is a credit score?

What is a credit report?

Your credit report contains financial information about you. It includes details of financial accounts you’ve held, mortgages, bankruptcies, and people you are financially connected to. It also includes searches done on you by potential lenders.

This is the information the credit bureaus use to calculate your credit score.

What is a credit report?

Why are credit scores important?

The higher your number, the more likely you are to have your loan, mortgage or credit card application approved.

You’re also more likely to get access to good lending rates.

How to improve your credit score?

Why is your credit report important?

If there is out of date or incorrect information about you on your credit report it may affect your credit score.

If you’ve defaulted on any payments or have very high debt balances you’ll be able to see this on your credit report and start taking some positive steps to improve.

Credit report FAQs

Your score changes, so keep up to date

Credit Angel continuously monitors your credit score and social profiles, letting you know of any changes or potential fraudulent activity. So when your score updates, we will let you know to check back in.

Check your score with Credit Angel
Credit Angel gives you access to your credit report and score in an easy to understand format, putting you in control.
It also gives you access to your social score and report which provides a view on how your social media activity is perceived by others, including potential employers.

If you see anything unusual on your credit report our UK contact centre is on hand to help, and can even dispute entries with the credit agency for you.

Credit Angel will alert you if anything changes on your credit report, meaning you can react quickly to any unusual activity.

It can also be accessed via a handy app, putting your financial health at your fingertips.
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