Check Your Credit Score
Want to know your credit score? Whether you're looking to check up on your financial health or applying for credit, you can check it for free today.
How to check Your Credit Score
You can register for Your Credit Score using our MBNA Mobile App or Online Services. 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. We’ll then check that you're happy for us to share your details with TransUnion to request your credit information on your behalf.
Why do credit scores matter?
If you have a good payment history on all your accounts and low debts, you may have a higher credit score. This means you’re more likely to be a lower credit risk.
A higher credit score makes you more likely to get approval for credit and receive a lower interest rate. It can also mean that for products such as a credit card, you’re more likely to get 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 various 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 can afford.
Credit reference agencies usually hold information on people's identity, address and personal financial history. Some of their information comes from public records and other lenders.
Ways you could 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
- Don't go over your credit limit
- Try to keep unsecured balances under 25% of your available credit limit
- Avoid applying for lots of credit in a short space of time.
Frequently asked questions about credit scores
If you're looking to improve your understanding of credit, then our educational guide could help. You can also look at the FAQs below.
What is a credit score and how does it work?
How can my credit score be affected?
What are hard or soft credit checks?
Important information
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.
Your Credit Score is available to UK Residents 18 and over registered for Online Services.
Credit score data is powered by TransUnion and is subject to T&Cs.