A score that works for you.
Your Creditly score is a living number — it reads your full financial picture and unlocks real lenders as it climbs. No hidden formula, no surprises.
Five factors, one clear picture
Every point is accounted for. Here's exactly what Creditly weighs and why.
- Card usagePositive impact
How much of your available revolving credit you're using. Keeping it below 30% is the single fastest lever.
- Payment historyPositive impact
On-time payments on loans, cards, and utilities. The longest-running signal in your file.
- Income verificationPositive impact
Verified income signals repayment capacity to lenders. Connect your bank in seconds to boost this factor.
- Credit ageManageable impact
Average age of your open accounts. Older files look more stable — avoid closing your oldest card.
- New applicationsManageable impact
Recent hard enquiries from lenders. Space out applications to limit short-term score dips.
Where does your score sit?
Creditly uses a 300–850 scale aligned with the major European and Latin American bureaus.
Checking your Creditly score is always a soft enquiry — it never appears on your credit file and has zero effect on your score. Lenders see only the checks they initiate.
Three moves that work this month
Personalised tasks, real estimated gains. Complete them inside the app.
- Pay down your top card to below 30%
Lower your utilisation on your highest-balance card. This alone can add points in the next reporting cycle.
Est. gain+28 pts - Connect your bank account
Income verification lifts your profile visibility to lenders and strengthens the income factor immediately.
Est. gain+15 pts - Set up autopay on one account
A single missed payment can set you back months. Autopay removes that risk entirely.
Est. gain+12 pts
See your real score — free, in two minutes.
No hard check. No card required. Just your score and the lenders ready to say yes.
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