★★★★★
Best Credit Report Provider
Whatever your plans, it pays to know the score.
And we’re literally giving it away. Totally free. Forever.
More than just a score
Your credit score is just part of the picture. Log in to your online dashboard to find out how to make your credit work harder for you.
- See the Borrowing Power your credit score unlocks for you.
- Access your full credit report to make sure that the details affecting your score are up to date.
- Check your Best Credit Matches shortlist, selected to meet your individual needs.
You’ll also find easy-to-follow steps to help you boost your credit rating. And we’ll send you notifications to let you know about any important changes.
It’s totally yours. And it’s totally free.
★★★★★
Best Credit Report Provider
What will your score do for you?
Knowing your credit score is the key to taking control of your finances.
Your score shows you how much trust banks, insurers and even phone companies place in you. The more confidence they have in you, the better the offers and savings that will be available to you. And the better your options, the easier it is to live your life the way you want to.
Whatever your plans, getting your free credit score is the first step towards making them real.
Check your Borrowing Power
Track your credit eligibility and find the best offers available to you.
- Get your Borrowing Power free when you sign up for a TotallyMoney credit report.
- Unique to TotallyMoney, this one number shows how likely you are to get the credit you want.
- Your Borrowing Power is updated every time you log in and we use it to find your personalised credit offers.
- Watch the video to learn more about your Borrowing Power.
Boost your credit score and say hello to better choices
Save money on utility bills
If you’re stuck with a
pre-payment electricity meter, it could be that you’re being
held back by a low credit score. And you could find that you’re
locked out of the cheapest energy deals. Building your credit
score will convince suppliers that you can manage your payments
and allow you to switch to cheaper billing.
Get cheaper calls
The same goes for your phone. Not
only is a monthly contract cheaper, it’s more convenient than
managing pay-as-you-go top ups. A good credit score will help
you connect with better deals.
Get a foot up on the property ladder
With a low
credit score, you’ll find it hard to rent a flat. A landlord
will only take you on as a tenant if they can trust you to pay
your rent on time. Finding out your score is the first step
towards improving it and opening the door to renting a place of
your own.
Supercharge your spending power
You’re more likely to be offered the financial flexibility of an overdraft or a low-interest loan when your credit score is good.
And your monthly budget will be easier to manage when your credit report shows that you are a responsible borrower who can be trusted to keep their finances on track.
Protect your credit rating
Checking your credit report has no impact on your credit rating. So you can look as often as you like.
And with alerts to let you know when there’s something on your credit report that needs attention, it’s a great way to track your finances and make sure that you stay in control.
Your Borrowing Power and Best Credit Matches are based on a soft-search eligibility check. This means that unlike a full credit check, it will have no negative effect on lenders’ decisions to offer you credit.
Kickstart your life plans today
Knowing that you have access to affordable credit can make life’s big decisions easier.
You’ll find that as your credit score rises you unlock longer repayment terms. Financing a new car or taking out a loan to make some improvements around the house becomes more affordable.
And when you come to take out a mortgage – whether you’re a first-time buyer or looking for a new home for your growing family – a healthy credit report will help you secure the best rates.
Whatever your next move in life, when it comes to credit, it pays to know the score.