Check your UK credit score for free
In partnership with
See exactly what lenders see when you apply for credit with LemFi's Credit Monitor.
Get personalised tips and track your score over time.
Disclosure noticeWhy your score matters
Your credit score affects renting a home, getting a loan, or landing a better phone plan.
Credit Monitor gives instant access to your Equifax score, so you know where you stand and what to aim for.
Check credit scoreAll the reasons to love
Credit Monitor
What affects your score
And how Credit Monitor can help.
- Payment history
Track on-time payments and spot any missed or late marks.
High impact - Recent searches
Review soft and hard credit checks made on your account.
High impact - Credit utilisation
See how much of your available credit you're using (lower is better).
High impact - Electoral roll
Registering to vote confirms your address and can help your score.
Medium impact - Connected persons
Check if joint accounts or financial links can affect your score.
Medium impact - Download app now
How it works
1. Open LemFi
Tap the Credit tab and select Credit Score.
2. Confirm your info
Verify your current UK address and identity.
3. Get your report
Instantly view your score and full Equifax breakdown.
1. Open LemFi
Tap the Credit tab and select Credit Score.
1. Open LemFi
Tap the Credit tab and select Credit Score.
DirectdatafromEquifax
In partnership with
In partnership with one of the UK's leading credit reference agencies. The exact same data major UK lenders use.
FAQs
The stuff people ask us.
Credit Monitor is a free feature in the LemFi app that lets you view your Equifax credit score, understand the factors affecting it, and track changes over time.
If you're already a verified LemFi customer, you can sign up in just a few taps: open the LemFi app, go to the Credit Score section, then review and accept the terms and give your consent for us to access your credit file. Once you've given consent, we'll securely retrieve your Equifax credit score, credit report information, and insights in the app.
This can happen for a few reasons: the credit bureau may not be able to match your details straight away, or your personal details, such as your name, date of birth, or address history, may not exactly match bureau records. Please check that your details in the app are correct. If the issue continues, contact our support team.
We partner with Equifax to provide your credit score and credit report information.
No, checking your own credit score through LemFi is a soft search and won't affect your score.