Your credit score. Free, forever.
Track your credit score, understand what's affecting it, and get alerts when it changes. Free with any Cred account, or as a standalone signup.
Signing up won't affect your credit score
UK residents 18+. T&Cs apply.
Everything you need, all in one place.
All of it at no extra cost, whenever you need it.
Track your score over time
Once activated, your score history builds up so you can see how it's trending.
Understand what's affecting it
See the factors helping or hurting your score, and what you can do about them.
Get alerted when there's an update
A push notification the moment your new score lands, so you don't miss it.
Monitor your credit health
Utilisation, total debt, number of accounts. All in one snapshot.
Standalone or alongside your credit.
Get Cred Health on its own, or activate it as part of your Cred credit account. Either way, it's free.
Standalone signup
Cred Health only
Free credit score, no strings. Sign up in minutes with a soft search only. No credit product required.
Bundled activation
With your credit account
Already applying for a credit line, flexible loan, or digital card? Activate Cred Health at the same time, in one flow.
Your score, explained.
The basics of how credit scores work, what affects them, and how Cred Health fits in.
What is a credit score?
A number that lenders use to judge how likely you are to repay borrowed money. It's based on your credit history: your accounts, your payments, and any negative markers like defaults or CCJs. Higher usually means better rates and more options.
Credit score factors
Payment history, utilisation, credit age, and public records like the electoral register all play a part. Some factors move the needle more than others, and Cred Health shows you which ones matter most for you.
Tracking your score
Your score isn't fixed. It shifts month to month based on your payments, your balances, and new activity on your file. Cred Health tracks it automatically so you can see where you're heading.
Improving your score
Cred Health can't improve your score directly, but seeing what's affecting it is the first step. Small changes like paying on time, keeping balances low, and staying on the electoral register add up over time.
Free, always. Simple, always.
Four things every Cred Health customer gets, whether standalone or bundled with your credit.
Free, forever.
No trial, no upsell, no fee. Cred Health is free with any Cred account and free as a standalone signup.
Won't affect your credit score.
Signing up uses a soft search only. Your score isn't touched.
Updated monthly.
Your score refreshes every month so you always know where you stand.
Alerts when things change.
Push notifications when your score moves or new activity appears on your file.
Cred Health FAQs.
Yes. Cred Health is free with any Cred credit account, and free as a standalone signup. No trial, no upsell, no fee.
Your Cred Health score is based on your TransUnion credit file, shown on a 0 to 710 scale. It's a guide to your credit health and lenders may use different scoring models when making decisions.
Monthly. Your score refreshes automatically. You'll also get alerts if there's meaningful activity on your credit file between updates.
No. You can sign up for Cred Health on its own without any credit product. If you already have a Cred credit line, flexible loan, or digital card, you can activate Cred Health at the same time.
No. Cred Health uses a soft search, which isn't visible to other lenders and won't affect your score. Checking your own credit as often as you like has no impact.
Cred Health is available to UK residents aged 18 and over. You'll need a UK address and a UK bank account to verify your identity.
Get your free score.
Sign up in a couple of minutes. Soft search only. Won't affect your credit score.
UK residents 18+. T&Cs apply.
