Just for extra info, not all companies use the same credit recorder, so what you see at Experian may not be exactly the same as you see at Equifax, and so if you want to be absolutely sure, use the trials at both! You would have to have a very active and colourful financial life to ever need to sign up for regular checks! No company will tell you whether you are good or bad - they use different scoring systems, whereby minus scores are obviously not encouraging, and plus scores demonstrate a range of risk. Remember that someone who has never had any credit, has no debts, and considerable assets, will have a bad score, whereas someone who uses loads of credit and only ever pays the minimum, is a profitable entity who will score highly!