Credit Karma — Credit Score

Want to improve your credit score in the UK? A better credit score could help you qualify for better credit cards, personal loans, mortgages and car finance, potentially saving you thousands.
With Credit Karma, you can check your free credit score and credit report anytime, see what’s affecting it, and find offers with your personal chances of approval, all without harming your score.
Join over 140 million members worldwide taking control of their financial future.

Everything You Need to Check, Track & Improve Your Credit Score
- Get your free UK credit score and credit report, updated regularly
- See what’s impacting your credit rating, including payment history and credit utilisation
- See how likely you are to be accepted for credit cards and loans before you apply
- Browse and compare offers without damaging your credit score
- Compare personalised credit card and loan offers from leading UK lenders
- Access options including 0% balance transfer cards, rewards cards, credit builder cards, low-interest loans and loans for poor credit
- Receive tailored tips and insights to help improve your credit score faster
- Get alerts when important changes appear on your credit report
- Track your credit score progress over time with easy-to-read graphs


Whether you're building credit, rebuilding poor credit, or preparing for a mortgage application, Credit Karma gives you the tools to move forward with confidence.

Signing up is quick and easy:
1. Tell us about you. We need a few details to get you started – it’ll only take a couple of minutes.
2. We’ll ask you some security questions that only you would know.
3. Get your credit score and report for free.

We treat your data like it’s our own. Credit Karma only uses your data with your permission and we don’t share your personal information with unaffiliated third parties for their own advertising.

Start improving your score today for free. Sign up in just a few minutes.

Take Control of Your Credit Score Today
If you’re looking to check your credit score in the UK, improve your credit rating, compare UK credit cards, or find loans you’re more likely to be approved for, Credit Karma helps you make smarter financial decisions.
Download now and start your free credit check today.

Credit Karma is a credit broker, not a lender.

PERSONAL LOAN INTEREST RATES AND FEES. You can see personal loan offers on the Credit Karma personal loan marketplace from third party advertisers from which Credit Karma receives compensation. Offers have rates that range from 5.9% APR to 99.99% APR with terms from 12 months to 8 years. Rates are subject to change without notice and are controlled by our third party advertisers, not Credit Karma. Depending on the particular lender, other fees may apply, such as origination fees or late payment fees. See the particular lender's terms and conditions for additional details. All loan offers on Credit Karma require your application and approval by the lender. You may not qualify for a personal loan at all or you may not qualify for the lowest rates or the highest offer amounts.

PERSONAL LOAN REPRESENTATIVE EXAMPLE. A loan of £5000 over 60 months at a fixed annual rate of 11.93% and a representative 14.47% APR, 60 monthly repayments of £115.28 and a total amount repayable of £6916.80 including a £263.00 fee.