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Do more with your score

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Join CredAbility

Totally free too!

Welcome ...
to the world beyond your credit score

Unlike some banks, lenders and even other credit score tools, we believe money should work for you.

So we give you the info, insight and inspiration you need to focus on the future and make finances fun again.

Unlike some banks, lenders and even other credit score tools, we believe money should work for you. So we give you the info, insight and inspiration you need to focus on the future and make finances fun again.

Join CredAbility

Totally free too!

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Cash back in your pocket

Find a better deal with our credit broking service.

Check out pre-approved loans and credit cards from our panel of lenders and apply in seconds.

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Don’t let anyone
hold you back

Check your full credit report.

See who you’re linked to, when your loans end, and spot mistakes in your financial history.

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Hit some goals

Everyone deserves a brighter future.
100 more points on your credit score?
A mortgage? New car? Let’s make Action Plans.

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Control on the go

Don’t miss instant notifications for new reports and money-saving deals.

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Become incredAbly connected

See all your credit accounts. All in one place.

No need to juggle old apps or dig out lost passwords.

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Credit cards

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We're always free.
We're always on your side

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Safe as houses

We encrypt everything because it's better to be safe than sorry. In fact, we look after your data as if it was our own

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Costs you nothing

It’s our mission to make you have more money - not less!

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Clear Updates

Always know where you stand with updates on your report, deals and more.

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Join those who are finally getting the credit they deserve

Every day people like you are doing great things with CredAbility.

Find out what it’s like when you’re in control of your cash.

Did we mention it's totally free too

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Frequently asked questions

Of course. Anyone in the UK can use CredAbility for free. You just need to be 18 or over.

We’re partnered with Equifax, who are one of three UK credit reference agencies. They work with banks, lenders, utility companies and mobile phone firms to create your report and score. CredAbility then brings this information to you for free.

Equifax is a credit reference agency. Other agencies in the UK include Experian and TransUnion. These companies gather information about the credit history of everyone. They speak to lenders, utility providers and mobile phone firms to get this information. In turn, these providers then use the full information Equifax gathers to make decisions about whether or not to offer credit to a person.

Because it’s your financial history and your information. We want you to know about it so you can make better decisions about money in the future – and hopefully take more control over your finances. If you have access to this information and use the app’s other features, you could get cheaper or more suitable credit, or work towards long-term goals, such as owning your own home.

Rather than charging you a subscription fee, we charge the lenders and banks. If you ever choose to switch to a new credit card or loan, or even buy a new financial product through the CredAbility Deals section, the provider pays us a commission. The providers are happy to do this as they know that across the CredAbility community, people are invited to look at products suitable for their credit profile and circumstances. The Deals section works for you too, as it saves you time searching for the right product because each option is preselected for your profile.

Help is ready when you need it, if you have further questions just go to the help centre

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Let's get you there

Put the kettle on

Sign up takes moments - then enjoy the best brew you'll have all day

Still, and always, free