Free Guide

A handy shortlist of the tools we actually recommend — to check your credit, build it up, and keep your spending on track.

See what lenders see and keep an eye on all three agencies.

• Checkmyfile — See all 3 credit agencies in one report
• ClearScore — Free Equifax-based report
• Credit Karma — Free TransUnion-based report
• Experian — Free basic score + paid reports
• MoneySavingExpert Credit Club — Free Experian report with tools

Affiliate disclosure: We may receive a commission or referral fee if you use or sign up to some of the credit-report services listed on this page. This does not affect the price you pay and we only recommend tools we believe are helpful.

• Loqbox — Save monthly and build credit
• Pave — Reports regular payments to boost credit
• Experian Boost — Add subscriptions and bills to your file

• Emma — Tracks spending, connects to banks
• Snoop — Smart budgeting assistant
• Money Dashboard — Tracks income and expenses across accounts

Not every tool suits every situation. We’ll point you to the ones that make sense for your goals.