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.

What is Your Credit Score?

Your Credit Score updates every 7 days, so you can regularly check your progress.

  • See what you're doing well, as well as the things you could work on.
  • Take a look at your next best action, provided by TransUnion, and personalised tips on how you might improve your score.
  • Our Score Simulator shows how a change to your finances can impact your score.
  • See the products you might be eligible to apply for.
  • You can raise a dispute if something on your credit report doesn't look right.

Register for Your Credit Score

Star aware illustration


Your Credit Score
- winner of the FStech Awards - Consumer Finance Product of the year 2023.

Star aware illustration

Your Credit Score - winner of the FStech Awards - Consumer Finance Product of the year 2023.

What's a credit score?

You might be surprised by what can impact your credit score and how it plays a key role in a lender's decision to offer credit.

If you're applying for credit, such as a credit card or personal loan, 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.
Understanding credit video

Why do credit scores 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 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 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. They get some of their information 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 below 25% of your available credit limit
  • Avoid applying for lots of credit in a short space of time.

 

How to improve your credit score

FAQS

If you're looking to improve your understanding of credit, then our educational guide could help. You can also look at the FAQs below.

Read the guide

What is a credit score and how does it work?

How can my credit score be affected?

What are hard or soft credit checks?

What is a good or bad credit score?

What can make my credit score go down?

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.