A portable credibility profile for people new to the UK

Your credibility
should travel with you.

EquiScore helps newcomers, migrants, students, gig workers, and thin-file applicants build a verified credibility profile they can share with landlords, lenders, and platforms.

EquiScore
Verified in the UK

EquiScore Trust Profile

B

Verified credibility profile

This profile is built from verified evidence and securely shareable.

Identity
Verified
Banking
Verified
Income
Partial
Rental history
Verified
Ready to share

Open Banking via
FCA-authorised providers

Evidence-backed
profile

You control what
gets shared

Delete your data
any time

How it works

Four simple steps to build and share your credibility profile.

01

Create your profile

Sign up in minutes and tell us a bit about yourself.

02

Add verified evidence

Connect your accounts and upload documents securely.

03

Build your EquiScore

We analyse your evidence and calculate your score.

04

Share your profile

Share with landlords, lenders, and platforms you trust.

Built for people who don't fit the mould

The UK credit system was not designed for everyone. Equiscore was.

“I moved from Nigeria three years ago and had zero credit history. My first landlord asked for six months upfront because I could not pass a check. Now I send my Equiscore profile instead. My second application took two days.”

Amara

London

“I work as a freelance designer so my income does not fit neatly into a payslip. Equiscore shows my actual financial picture, not a score based on a history I do not have.”

Tom

Manchester

“I was a student until last year and had nothing on file. Equiscore showed my landlord I had been paying rent consistently for two years. That was enough.”

Priya

Bristol

Transparent trust tiers

Every EquiScore is explainable, built from clear evidence and easy to understand.

A
Highly verified
Strong evidence across all key dimensions
B
Verified
Good evidence, minor gaps
C
Partial
Some verified evidence present
D
Limited
Thin evidence profile
E
Developing
Building towards verification
Higher tiers reflect stronger verified evidence, not personal worth.

For landlords and letting agents

Stop chasing references.

An EquiScore profile gives you a clearer view of income consistency, payment behaviour, and financial stability — verified through Open Banking and shared securely by the applicant.

Learn how it works for landlords
Verified by Open Banking, not self-reported
Faster than waiting on reference calls
Raw transactions stay private
Share links expire and can be revoked

Common questions

More in our full FAQ.

Is this a credit check?

No. A credit check pulls data from agencies like Experian or Equifax. Equiscore uses Open Banking, which means we analyse your actual financial behaviour directly from your bank account.

Can my landlord see my bank transactions?

No. Your raw transaction data stays private. What they see is your verified trust profile: your tier, the dimensions it covers, and the signals behind it.

How is the score calculated?

We look at income consistency, payment reliability, spending stability, and account tenure. Each dimension contributes to a single tier from A down to E. You can see every signal from your dashboard.

Does it affect my credit file?

No. Equiscore has no connection to UK credit reference agencies. Your credit file is not touched in any way.

Can I delete my data?

Yes, any time. Go to Settings in your dashboard and delete your account. All data is removed within 30 days.

Your profile takes about five minutes to set up.

Free during beta. No payment card required.