uScore is the new name for minKreditkoll, a free service that lets you check your credit score based on Creditsafe’s rating. It’s a great way to understand your current financial situation, including loans and credits, and compare rates to see if you can get better offers. I’ve been using it along with minUC Kreditkollen, which is paid but a more complete check that provides the UC score too. uScore is the easiest way to get a credit score for free.
uScore claims that it has grown significantly over the past four years, with a strong presence in Sweden, Norway, Denmark, and Finland, representing a unified identity across all of our markets and reflecting its commitment to offering over 675k members insight and control over their credit scores, while helping them make smarter financial decisions. Hence, the decision to change names.
uScore: Formerly minKreditkoll.se
What’s new with uScore?
- Improved Comparisons: With uScore, users not only know their credit score, but also how they compare to others, providing deeper insight and understanding.
- Successes So Far: Savings for Members: 164,820 members have saved money by using our service.
- Cost reductions: Many have reduced their monthly expenses by up to SEK 7,000.
- Improved Financial Overview: Over half report better control over their personal finances.
- Better loan terms: Over 800 million in loans have received a better interest rate.
Advantages of uScore
- See your credit score: This is a number that banks use to assess your creditworthiness when you apply for a loan or other credit product. A higher score generally means you’re a less risky borrower and will qualify for better interest rates.
- Get insights and tips: uScore can provide you with personalized insights into your credit report and tips on how to improve your score.
- See what interest rate you might qualify for: Based on your credit score, uScore can estimate the interest rate you could get on a loan.
- Use a free budget function: It also offers a free budgeting tool to help you track your income and expenses.
- Analyze your personal finances: You can get a comprehensive overview of your financial situation with uScore’s personal finance analysis tool.
Understand your credit score
Learn what’s behind your credit score so you can improve it. With uScore you can also see any payment notes. They work with Creditsafe – the world’s most used credit information company.
Get control of your loans and credits
Download data about your loans and credits and have your loan situation analyzed. The tool shows you current loans under your name, which of these you should possibly get rid of, and how to get rid of them. They also offer options to refinance your loans so that you save money every month.
A free benefits club
With uscore.se, you get a membership in an advantage club, where you get free monitoring of your credit score, regular advice offers adapted to your financial situation, and more.
Things to keep in mind about uScore
- It uses Creditsafe for credit checks: Creditsafe is a credit reference agency that collects information about your borrowing history from banks and other lenders. This information is used to calculate your credit score.
- It’s not a UC credit report: UC is another major credit reference agency in Sweden. uScore does not use UC for its credit checks, so checking your score will not affect your UC score.
- It’s a relatively new service: the tool was launched in 2019, so it’s not as well-established as some other credit score services. However, it has grown rapidly in popularity and now has a large user base.