Supascore is a free reporting serving, allowing you to access, understand and manage your credit report and score. The information used to make your credit report and score is obtained from TransUnion, a UK Credit Reference Agency, and it may include details about your previous credit history. This same information may also be used by lenders and credit providers to help them decide on providing credit to potential borrowers.

Yes! Signing up and using Supascore is completely free.

In simple terms a credit report is a record of your credit history, showing how you manage your finances. It details information such as how long you have had credit accounts, how much debt you have, if you have CCJ’s, basically how you have previously handled credit.

Credit reports are compiled from the data collected by credit reference agencies.

Credit reference agencies gather information from public records and financial accounts that have been active within the last six years. 

This can include information about: 

• Credit accounts (credit cards, loans, mortgages) 

• Electoral register

• Defaults 

• Individual Voluntary Arrangements (IVA) 

• Judgments (CCJs, Insolvencies and Bankruptcies)

• Financial associations 

• Linked addresses

The information on this report helps lenders assess your level of risk when making a decision about providing you with credit.  Therefore, it’s important to check that the information held about you by credit reference agencies is correct. There are many services that provide you with access to your credit file information, however there are only a few that provide you with this access for free. We use TransUnion data to provide you with your free credit report. This is a free service from Supacompare.

• Personal Information: Including your name and addresses

• Financial Associations: For example someone you have taken out joint credit with

• Credit Accounts: Including loans, mortgages and credit cards

• Credit Searches: A record of the companies and dates when your credit report has been retrieved for a credit application

• Public Records: Details about CCJ’s, bankruptcies and electoral roll

The information on your credit report is used to create your credit score, a number which represents your credit history. If your credit report shows a positive credit history e.g. you make your payments on time, you will have a higher score. This may help you get loans and credit cards at lower rates. However, if your credit report details a history of missed payments or multiple CCJ’s, your credit score will be lower. This may mean that it will be more difficult for you to get approved for credit as it could indicate to a lender that you will have difficulty repaying in the future.

You should check your credit report on a regular basis, and before making credit applications. By doing this, you can highlight any mistakes on your file which may prevent you from obtaining credit. It will also allow you to check if any fraudulent applications have been made in your name.

A credit score is a number that is calculated from your credit report to represent your credit history. The higher the number the better, as those with a higher score are generally viewed as being a lower risk and are more likely to obtain credit at more favourable terms.

It is important to note that your credit score is only a guide as it is not the same as an individual lender's score. Even if you have a high credit score it does not guarantee that you will be accepted for credit as each lender has different criteria when assessing which customers to lend money to.

When you make a credit application, the lender will assess this based on your most recent credit report activity. The lender will not see historical information which has since changed.

When making a lending decision, lenders will consider various factors including:

• The details provided in your enquiry

• Data from the credit reference agency: credit payment history, if you are on the electoral roll at your present address, if you have any CCJ’s or Insolvencies

• Details surrounding existing accounts you have with the lender

• That lender's internal rules and policies

No! Using Supascore will never impact your credit score.

By signing up to Supascore you will be able to view your credit report & credit score (based upon the information recorded on the credit report as shown by Supacompare) online.

For more information and help in relation to Supacore, click here