Credit Monitor by LemFi
Know your
UK credit score
for free
See exactly what lenders see when you apply for credit. Get personalised tips and track your score over time.
*Disclosure: Credit Monitor is Powered by Equifax, a UK credit reference agency. Checking your report through LemFi won't affect your credit score or your chances of being approved for credit.
Why your credit history matters
Your credit history affects everything
- Getting mortgage / Rent
- Credit card / Loan approval
- Phone contract
Our Credit Monitor gives you instant access to your Equifax score so you always know where you stand before you apply for anything.
What's inside Credit Monitor
See Your Score
Your Equifax credit score is a good way to know where you stand and why.
Go beyond bullet points
See every account, actions and relationships that affect your financial health.
Get Personalised Tips
Get practical steps, personalised for you, to help you build or maintain a healthy credit profile.
What's in your report
What affects your credit score
Understand what's in your report and how each factor influences the way lenders see you.
Payment History
See if lenders have marked any payments as missed or late on your credit report.
Recent Searches
See every company that has searched your credit file in the last 6 months.
Credit Utilisation
Check how much of your available credit you are using. Lower utilisation is generally better for your score.
Electoral Roll
If you're eligible, make sure you're registered to vote – it may help your credit score.
Cash Withdrawals
Cash withdrawals on a credit card can be viewed negatively by lenders and may affect your credit score.
Connected Persons
Your credit isn't always just about you. Ensure your credit score is protected from the habits of others.
Easy as 1,2, SCORE
Here's how it works!
Open your LemFi App
Tap on the Credit score feature
Confirm your details
Check that your name and current address are correct.
Check your credit score
Get your Equifax credit score and report in moments.
Powered by Equifax
Your credit information comes directly from Equifax, one of the UK's three main credit reference agencies. The same data lenders use to make decisions about you.
- Secure & encrypted
- FCA regulated
- Used by major UK lenders
