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Curious about your credit score? Check it for free using Your Credit Score, with no impact on your credit file.
You can easily register for Your Credit Score using our Mobile Banking app or Online Banking. Then you can:
It's free to check and won't impact your credit file.
To register for Your Credit Score we'll just ask you to confirm your name, date of birth and address history. Then we'll check that you're happy for us to share them with TransUnion to ask for your credit information on your behalf.
Your Credit Score updates every seven days, so you can regularly check your progress.
If you have a good payment history on all your accounts and low outstanding debts, you may have a higher credit score. This means you’re more likely to be seen as a lower credit risk.
A higher credit score makes it more likely that you’ll be approved for credit and receive a lower interest rate. It can also mean for products such as a credit card, that you are more likely to be given a higher credit limit. Your credit score is just one factor that lenders will consider when deciding if they'll lend to you and how much you can borrow.
To work out the risk of lending to you and on what terms, a lender usually checks a number of things, such as:
Credit reference agencies usually hold information on people's identity, address and personal financial history. They get some of their information from public records and other lenders.
Here are a few things you can do that might help to improve your credit score:
Want to boost your understanding of credit? Our educational guide is here to help, or you can check out the FAQs below.
What do we mean by a credit score?
What can affect your credit score?
What do we mean by a hard or soft credit check?
What makes a good credit score?
Your Credit Score is available to UK Residents 18 and over registered for Online Banking.
How much we’ll lend and the rate offered are subject to our assessment of your circumstances. Your credit score is just one of the things we take into account when deciding whether to lend to you.
Calls and online sessions may be monitored and recorded.
Credit score data is powered by TransUnion and is subject to T&Cs.