Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk.

Take control of your credit profile

Education, tools, and personalised action plans to help you understand and manage your credit profile.

Sure Credit empowers you with education and helpful tools for informed decision making. Access your TransUnion credit report, track your score, check affordability, and enjoy 24/7 support, fraud alerts, credit score simulation, resources, perks, and more.

Start free trial

Sure Credit is available exclusively to new customers residing in the UK, aged 18 and over. Terms & conditions apply. After your 14-day free trial, a monthly subscription fee of £19.99 will be charged unless you cancel during the trial period. Improvements to your credit profile or credit score are not guaranteed. The tools and guidance provided aim to support you in understanding your credit profile and making informed financial decisions. The time it takes to see any improvements will depend on individual circumstances, financial behavior, and adherence to recommended actions. Credit score improvement is typically a long-term process and should not be expected as an immediate outcome.

Sure Credit preview

Why is a credit report important?

See how lenders view you

Lenders use various tools to assess your creditworthiness, with your credit report and affordability being key factors. Understanding these helps you manage your credit profile proactively. If you just want your TransUnion credit report, you can get it for FREE here.

Accurate reporting

Your credit report updates monthly with the latest information, so you can rely on its accuracy and detail. Staying aware of these updates helps you track changes that may impact your credit.

Snapshot of tips to improve

We aim to help with personalised tools and access to our extensive information library and experts — all to help you learn how to improve your credit score and increase future credit chances.

Boost your chances of getting credit

Reviewing your credit report helps you track payments, manage debts, understand credit usage, catch errors, and identify factors affecting your score. Combined with understanding your affordability, these are key steps in improving your access to credit profile.

Improve your financial health

Your dashboard is simple and easy to use, with tools like personalised action plans, a credit score simulator, alerts, dark web search, and affordability checker. Enjoy perks like Tastecard, saving you an average of £23 per meal, to support your financial growth and credit profile.

Start free trial

Get the credit
you deserve

Feel confident before applying for credit.

Use our 24/7 support and tools to monitor credit usage, payments, balances, data accuracy, and Electoral Registration. With personalised action plans, affordability checks, and credit alerts, you can actively improve your credit profile.

Start free trial

Features

24/7 support

Get help anytime by phone, email, or 24/7 chat — whether you need assistance with our service, cancellations, payment enquiries, or more.

Manage your credit report & score

See what lenders see on your credit file. Spot errors, get regular updates, and understand the factors influencing changes to your score.

Affordability assessment

See what you can afford, address affordability issues, visualise spending habits, take actions to reduce expenses, explore income-boosting tips, and use our loan calculator to apply within budget.

Personalised action plan

Receive personalised action plans and tasks to help you enhance your credit profile. We're here to support your journey.

Dark web scanning

We scan the dark web to check if your details are compromised or sold by criminals. Fraudulent data use can affect your creditworthiness, and we provide actionable steps to help you respond.

24/7 data monitoring

Protect yourself from identity theft with 24/7 credit report monitoring, alerts, & fraud prevention.

Sure Credit perks

Get a free Tastecard with us

Our membership pays for itself! Receive a FREE Tastecard annual membership, valued at £79.99, just by being a Sure Credit member for 2 months.

Exclusive savings await you: whether you're dining out, enjoying a coffee, or exploring new attractions, your Sure Credit membership delivers significant savings!

Tastecard benefits
  • Dining delights: enjoy 2 for 1 meals or 25% off at over 3,000 restaurants!
  • Coffee perks: 25% off all orders at Caffè Nero daily
  • Pizza promotions: 50% off at Domino's, Papa Johns, and Pizza Hut
  • Cinema deals: save an average of 25% on cinema tickets every day
  • Days out: get discounts at top attractions

This reward is available after two successful Sure Credit monthly payments and is redeemable within your Sure Credit membership area.

Tastecard

How it works

Taking control of your financial well-being has never been easier. Follow these quick steps to see how we can help you improve your credit profile today.

Sign up for FREE trial

Start with a free 14-day trial to access your personalised dashboard and tools. Cancel anytime or stay for £19.99 per month with ongoing support, actions, alerts, and exclusive perks.

View dashboard

Your dashboard is the central hub for all tools and insights, providing a summary of your financial health and supporting your credit journey.

Connect tools

Connect your TransUnion credit report and provide necessary data to give our tools the information needed for actions and a comprehensive view of your credit profile.

Check information

Review your personal and financial information to ensure accuracy in the data affecting your credit profile. Address any discrepancies that may impact your credit profile.

Follow actions

Complete tailored actions to strengthen your credit profile. Use the credit score simulator to see potential effects on your score. Actions adjust with your progress, providing a clear path to improvement.

Monitor

Track credit usage, payments, and affordability, and receive alerts for changes, including dark web monitoring for identity theft. Regular monitoring will hopefully show improvements from your actions and helps prevent larger issues.

How do you score?

There are many factors that will affect your credit score. Credit Reference Agencies, such as TransUnion, will create their own credit score, based on various factors derived from your historical credit data, to provide customers with a guide as to how their credit status is looking.

Understand what is affecting your credit worthiness

There are many factors that will affect your credit score. Whilst several of these factors will be similar, there will be slight variations, so it is important to fully analyse your report.

It may be of surprise that not everything that affects your credit score is financial. Did you know, for instance, that simply being on the electoral roll is a key piece of information that will improve your credit score?

To get even more technical, it is a common myth that having no credit is positive. This all depends on your history. You need to have had previous credit, in order to build a bigger picture of your credit worthiness.

Credit score
Start free trial

Want a loan?

Getting started

With just one application, we can scour the market to help find you credit. Our loan finding service is offered at no cost to you. However, we might earn a commission from any financial products we recommend to you.

Tip: register with Sure Credit for customised hints and tips on improving your credit rating and financial wellness. This could lead to more options for borrowing.

Loan application
Get a loan

Useful links

*Our service is only available to members in the United Kingdom over the age of 18 (see terms). A monthly membership fee of £19.99 applies automatically after your free trial. You may cancel at any time during your 14 day free trial. If you cancel after the trial has expired, you will be charged. The credit data included in your credit report is provided by TransUnion International UK Limited and access is subject to validation.

Sure Credit is a registered trading style of Bume Limited .

Bume Limited is registered in England and Wales (Company number 14051741 ), Registered Office; 124 City Road, London, EC1V 2NX .

Bume Limited is an Appointed Representative of William Ellis Sinclair, and is entered on the Financial Services Register under reference number: 975519   and licensed by the Information Commissioner's Office (ZB656046 ).

William Ellis Sinclair is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 618190.

Bume Limited is a licensed credit broker and not a Lender.

Email: [email protected]

Phone: 0330 335 8509