How to check and improve your credit score for free
Your credit score influences whether you're accepted for things like a mortgage, loan or credit card, and the rates you're offered. You can check it for free, and there are simple, legitimate ways to improve it over time.
Checking it won't harm your score
Looking at your own credit report is a soft check and doesn't affect your score. Several services let you see your score and report for free. It's worth checking a couple, as different agencies hold slightly different data.
Simple ways to improve it
Improving your score is mostly about showing you handle credit reliably over time.
- Get on the electoral roll at your current address
- Pay bills and any credit on time, every time
- Keep credit card balances well below the limit
- Avoid lots of applications in a short space of time
- Check your report for errors and get them corrected
There's no instant fix
Be wary of anyone promising to fix your score overnight for a fee. Genuine improvement takes consistent, sensible habits over months. Frugl provides general information, not credit advice.
Frugl provides general information to help you compare options. We are not a Financial Advisor and this is not personalised advice. Always check the provider's own terms before buying.