Credit Health Checker
How healthy is your credit? Free UK estimate
Answer nine quick questions about your payments, credit use, history and stability, plus an optional affordability check. You'll get a 0 to 100 Credit Health Rating, a breakdown of what is helping and hurting, and the changes most likely to make a difference. Takes about 2 minutes, needs no account and never touches your credit file.
Important
This is an indicative estimate for educational purposes only, based solely on your own answers. It is not your credit score, it is not a credit check, and it is not financial advice. We do not access your credit file, and lenders use their own criteria. You can get your statutory credit report free from Experian, Equifax and TransUnion.
How the Credit Health Rating works
Each answer earns points within six factors that the UK credit reference agencies say matter most. The factors are weighted and added up to a score out of 100. A default or County Court Judgment (CCJ) in the last two years caps the rating at Fair, and an Individual Voluntary Arrangement (IVA), Debt Relief Order (DRO) or bankruptcy caps it at Poor, because those records outweigh everything else for lenders.
| Factor | Weight | What it measures |
|---|---|---|
| Payment history | 35% | Missed payments in the last year, and any defaults, County Court Judgments, IVAs, Debt Relief Orders or bankruptcy in the last six years. |
| Credit utilisation | 25% | How much of your card and overdraft limits you use. Under 30% is good, under 10% is best. |
| Electoral roll | 10% | Being registered at your current address helps lenders confirm your identity. |
| Length of credit history | 10% | How long you have been managing credit. Longer gives lenders more evidence. |
| Recent applications | 10% | Hard searches in the last six months. Several close together can look risky. |
| Stability and financial links | 10% | Time at your address, joint finances with someone with poor credit, and your mix of credit. |
Bands: 0 to 39 Poor, 40 to 59 Fair, 60 to 79 Good, 80 to 100 Excellent.
What this checker can and cannot tell you
It shows which habits are likely to be helping or hurting how lenders see you, and where a change would make the biggest difference. Because it never reads your credit file, it cannot spot errors, fraud, old addresses or accounts you have forgotten about. Only your statutory report can do that.
Lenders also run their own scoring, combining your file with what you tell them on the application, such as income and outgoings. Two lenders can reach different decisions on the same person, so no rating, ours or an agency's, guarantees approval.