Check Your Credit Score

Take control of your finances with the power to check Your Credit Score for free. Find your score and your accounts all in one app.

How to check Your Credit Score

It's easy to register for Your Credit Score using our Mobile Banking app or Internet Banking. You'll then be able to:

  • View your TransUnion credit score and full credit report.
  • See how your score changes over time.
  • Use our tips and tools to help you understand your score.

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. We'll check you're happy for us to share them with TransUnion to request your credit information on your behalf.

Register today

What is Your Credit Score?

Your Credit Score updates every seven days, so you can regularly check your progress.

  • It can help you understand what you're doing well and what you could consider working on.
  • See the factors that impact how your score is calculated.
  • Find out how you might 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 in your credit report doesn't look right.
Explore Your Credit Score
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Your Credit Score - winner of the FStech Awards - Consumer Finance Product of the year 2023.

What is a credit score?

Lenders consider several factors to help them decide whether they can lend to you. A credit score gives an indication of how likely you are to repay anything you borrow. This is based on your track record of using credit and managing your finances.

If you're applying for credit, such as a credit card, personal loan, car finance or mortgage, lenders will usually check your credit file to:

  • assess your circumstances
  • highlight any potential risks associated with offering you credit
  • decide on the interest rates and credit limit they're prepared to offer.

Why does a credit score matter?

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 that for products such as a credit card, 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 do 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 could you improve your credit score?

Here are a few things you can do that might help to improve your credit score:

  • Make sure you're on the electoral register.
  • Check that all the details on your credit report are correct and raise a dispute if something doesn't look right.
  • Manage your accounts well, pay bills and make credit repayments on time.
  • Avoid regularly reaching your credit limit or going over it.
  • Try to keep unsecured balances below 25% of your available credit limit.
  • Pay off your debts as soon as you can.
  • Don't apply for lots of credit products at the same time.

How to improve your credit score

Check your score for free

View Your Credit Score anytime in the app, without impacting your score.

Mobile Banking app

Join our 8 million app users.

  • Simple and secure logon.
  • Set up handy notifications.
  • Message us online.

 

More about our app

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Internet Banking

Log on to view or manage your accounts on our website.
 

Log on to Internet Banking

 

Register

Frequently asked questions

Want to improve your understanding of credit? Our educational guide could help, or look at the FAQs below.

Read the guide

What is a credit score and how does it work?

What affects my credit score?

What is a hard or soft credit check?

What is a good credit score?

What is a bad credit score?

Why has my credit score gone down?

Important information

How much we'll lend, and the rate offered is 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.

Your Credit Score is available to UK Residents 18 and over and registered for Internet Banking.

Credit score data is powered by TransUnion and is subject to T&Cs.