Credit Karma is a free financial service that lets you check your credit score and report without affecting it. It provides insights into your financial health, personalised recommendations for credit cards and loans, and useful tools to help you improve your credit score over time.

Unlike traditional credit-checking services, Credit Karma offers completely free lifetime access—no trial period or subscription required. You can regularly monitor your credit report, track changes, and receive alerts for any suspicious activity.

Signing up is quick and easy through the Credit Karma website, giving you instant access to your credit information from major UK credit reference agencies.