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Check Your Credit Score
Curious about your credit score? Check it for free using Your Credit Score, with no impact on your credit file.
How to check Your Credit Score
You can easily register for Your Credit Score using our Mobile Banking app or Online Banking. Then you can:
- View your TransUnion credit score and full credit report.
- See how your score changes over time.
- Find out how your score compares to the UK average.
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.
What is Your Credit Score?
Your Credit Score updates every seven days, so you can regularly check your progress.
- It can help you see what you're doing well and understand what you could work on.
- See how you could improve your score with your next best action, provided by TransUnion.
- Our Score Simulator shows how a change to your finances can impact your score.
- View the products you might be eligible to apply for.
- You can raise a dispute if something on your credit report doesn't look right.
Why a credit score matters
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.
What lenders check
To work out the risk of lending to you and on what terms, a lender usually checks a number of things, such as:
- details on your application form
- the electoral register and court records
- how you've managed your accounts in the past
- information from credit reference agencies
- income and outgoings to check what you might be able to afford.
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.
How you might improve your credit score
Here are a few things you can do that might help to improve your credit score:
- Make sure you're registered to vote
- Check that all the details on your credit report are right and raise a dispute if something doesn't look right
- Manage your accounts well, don't go over your credit limit, pay bills and credit on time
- Try to keep your unsecured balances below 25% of your available credit limit
- Don't apply for lots of credit products at the same time.
FAQs
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?
Important information
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.