Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
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You can’t predict the future, but you can protect the people you love.
Thinking about applying for a mortgage, credit card or loan? Or just want to understand more about your finances? Check Your Credit Score for free today.
Registering for Your Credit Score with our Mobile Banking app or Internet Banking is simple. You can then:
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, and check that you're happy for us to share them with TransUnion to request 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.
Your Credit Score - winner of the FStech Awards - Consumer Finance Product of the Year 2023.
Lenders consider a number of factors to help them decide whether they can lend to you. A credit score gives them an indication of how likely you are to repay anything you borrow, based on your track record of using credit and managing your finances.
If you're applying for a credit card, personal loan or mortgage, lenders will usually check your credit file to:
When you apply for a borrowing product like a credit card or loan, lenders will consider a number of factors to decide whether they can lend to you responsibly, one of those factors is called a credit score.
If you also have a good payment history on all your accounts, have low outstanding debts and are able to afford your repayments, a good credit score means you're more likely to be seen as a lower credit risk.
Usually the higher your credit score the better and that means you're more likely to be offered credit. You're also more likely to be offered lower interest rates which makes borrowing cheaper and more likely to be offered higher credit limits.
Credit reference agencies are companies that hold important information on people's identity, address and personal financial history. These companies get some of their information from public records like the electoral register and from court records. They'll also have information from other lenders showing whether you made repayments on time.
Many lenders including Bank of Scotland offer eligibility checkers - ours is called One Check. This can help you find out what credit cards you may be eligible to apply for. Your answers to eligibility checker questions are not available to credit reference agencies and therefore they do not affect your credit score.
There are lots of things you can do that may improve your credit score over time. These include checking you're registered as a voter, making sure you pay your bills in time, clearing your debts and not regularly maxing out your credit card limits. You should also avoid applying for lots of credit cards or loans at the same time.
Your credit score is an important part of managing your borrowing so we hope you found this video helpful.
To find out more about credit scoring, please go to www.bankofscotland.co.uk/credit scoring
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 will 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:
We adhere to the Standards of Lending Practice, which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk
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Credit score data is powered by TransUnion and is subject to T&Cs.
To use our Mobile Banking app you need to have a valid phone number registered to your account. You can either use your Internet Banking details to log in or you can register for the first time in the app. Our app is available to iOS and Android users only and minimum operating systems apply, so check the App Store or Google Play for details. Device registration required. The app doesn't work on jailbroken or rooted devices. Terms and conditions apply (www.bankofscotland.co.uk/aboutonline/online-conditions).
Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland No. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.