How to check Your Credit Score

Registering for Your Credit Score with our Mobile Banking app or Internet Banking is simple. You can then:


  • 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, and check that 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?

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 work on.
  • See the factors that impact how your score is calculated.
  • Our Score Simulator shows how a change to your finances can impact your score.
  • Find out how you could improve your score with your next best action, provided by TransUnion.
  • 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.


Register for Your Credit Score

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

What is a credit score?

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:


  • 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 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.

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
  • clear your debts as soon as you can
  • don't apply for lots of credit products at the same time.

Important information

We adhere to the Standards of Lending Practice, which are monitored and enforced by the LSB:

Calls and online sessions may be monitored and recorded.

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 (

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.