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"A credit score alone isn't enough - what counts in the real world is, will you be accepted? Our totally free MSE Credit Club's a unique way to check that, check why, then boost your chances."

Martin Lewis MSE founder
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Credit Club's totally free, and as it uses 'soft' searches, using it NEVER impacts your ability to get credit.

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How does Credit Club work?

Credit Club helps people to understand more about what happens when they apply for credit.

Martin Lewis explains Credit Club

While your credit report is an important part of whether you'll be accepted, it's not the be-all and end-all. Lenders are also looking at your income and likely expenditure – they're working out if you can afford the credit, as well as how good a risk you are.

What this means is that you can have people with perfect credit scores getting turned down for credit. There could be many reasons for this. It could be that their income's low, or their existing debt is quite high. Or it could just be that the lender doesn't fancy them – they don't fit the profile of the lender's ideal customer.

Credit Club not only explains this, but also gives you measures of your affordability for credit cards and loans (and will soon be able to assess you for mortgages too).

We then combine your Experian Credit Report and your affordability score to give you Your Credit Hit Rate – in the real world... this is the percentage of top cards and loans you’ve a strong chance of getting if you applied.

Credit Club builds on MoneySavingExpert's existing Credit Card Eligibility Calculator and Loans Eligibility Calculator to help you find the financial products you've the best chances of getting.

But it’s not just a practical tool. Our main aim is to give you the facts about your Experian Credit Score and affordability score – and also give you tips to boost them.

Everyone should take time to manage and boost their credit score – it’s a crucial part of looking after your money properly. Yet the world of credit ratings is rife with misinformation and misunderstanding.

We’ll hold your hand through the credit-checking process, and explain in clear, jargon-free terms what your Experian Credit Score and MSE affordability score actually mean. We also pull out good and bad points from your credit profile, explaining why they’re good, or – if they’re not so good – what you can do to improve.

Once you’re signed up to Credit Club, we’ll also update your Experian Credit Score every 30 days, and your affordability score, eligibility and Credit Hit Rate when you log in, so you can clearly see how your credit chances are improving over time.

Here's what we give you in Credit Club

Experian Credit Report

Your Experian Credit Report provides you with the information a lender sees when it looks at your credit history. It shows how long you’ve held your accounts, how well you've managed them, how many applications you've made for credit recently, how much you owe, on what credit products, and with which providers, as well as several other factors.

When a lender credit checks you, its aim is to predict your future behaviour based on your past, so it can see whether you'll be a good risk and a profitable customer. If your credit report shows you've kept up with all your payments, aren't financially overstretched and your identity checks out too (eg being on the electoral roll helps with this) it can help you get accepted for credit. Affordability score

Whether you can afford credit is another important part of lenders' checks.

MoneySavingExpert's affordability score mimics these checks, using the income details you give us (while registering) and other information about your financial circumstances to see whether you’re likely to be able to afford to pay credit back.

We assess three main measures – your debt ratio (how much you owe compared to your income), your credit utilisation (how much of your available credit you're using) and your disposable income (an estimate of your free cash after living expenses).

These three things, along with your credit report, will influence lenders' decisions.

Experian Credit Score

Your Experian Credit Score is created using information held in your Experian Credit Report and ranges from 0-999. Higher scores relate to a better credit history, but most lenders will build their own score based on the information in your credit report, information you give them during the application, plus anything they already know about you if you already have (or had) an account with them.

So, credit scores provide a useful overview of how well you're doing – but it's always best to check your full credit report too before making applications.

Credit cards & loans product eligibility

We show you your acceptance odds so you can home in on top cards or loans without any impact on your credit score.

Usually you don't know whether you'll get a credit card or loan until you apply, and that marks your credit report. Our eligibility calculators do a 'soft' search of your report, plus use your income and a few other details, to match you to lenders' criteria.

The ones you match well with have an eligibility score of 70% or higher. This is a good chance of being accepted if you apply for a product. Between 40% and 70%, your chance is decent. Below 40% it's unlikely you'll be accepted for a product (though note that a 20% chance means two in 10 people like you may be able to get it so there's still hope, especially if that's your highest score).

Our eligibility calculators tell you which top products you're eligible for. But, as with any borrowing, only get credit if it's needed, and you've budgeted to be able to pay it back. No one using Credit Club is ever under any obligation to take out credit. Credit Hit Rate

This is a measure of how well you're likely to do in the real world if you apply for credit. We've assessed what's on your credit report(s) and your affordability score against top credit card and loan providers' criteria. The score you'll see on your dashboard is the percentage of those providers where you get a 70% or higher eligibility score on their products.

Frequently asked questions

How do I get in touch with you to feed back about Credit Club?

If you have a problem, or suggestions for how we can improve the tool, you can email us at

How do I register?

You can register on the Credit Club registration page. The first page sets up your Credit Club account, then we will ask for some details about your financial and family circumstances so we can assess your affordability alongside your credit score.

Once we've done this, we need to do some further verification checks to ensure you are who you say you are and that we are giving you the right credit score information. For this verification, we pass you over to Experian, our credit reference agency partner in Credit Club.

See the full FAQ

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