Check Your Credit Score

A credit score indicates to lenders how well you manage your money.

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.

 
A smartphone screen showing the Lloyds app Your Credit Score screen.

Track your score

  • View your TransUnion credit score and full credit report.
  • Use our personalised tips and tools to help improve your score.
  • Find out the next best action to take.
  • See what products you may be eligible for.

It's free to check and won't impact your credit file.

Register or log on

Know the score with Your Credit Score

Black text on a green background says Know the score. Underneath there's the Lloyds logo of a horse.

It's easy to register for Your Credit Score using our Mobile Banking app or Internet Banking. 

  1. Confirm your name, date of birth and address history.
  2. Confirm you're happy for us to share your details with TransUnion.
  3. In the app, you can find Your Credit Score in the Borrow tab. In Internet Banking you’ll find it in any of our product menus.

Borrowing options

Your credit score is one of the things we consider when we decide whether to lend to you.

  • See what products are available and the likelihood of acceptance.
  • Use the comparison tool to understand your options.
  • Find out about affordability and what it means for you.

How credit scores work

Learn more about how credit scores work. Learn why they are important and how you can improve your score.

How a credit score works

Understanding your score

Your credit score updates every seven days.

  • View your full credit report.
  • See what impacts your score and how it’s calculated.
  • Understand what you're doing well and what you could improve.
  • Compare your score against the UK average and people in your region.
  • Raise a dispute to TransUnion if something doesn’t look right.

Improving your score

Find personalised tips in the ‘Help to improve’ section of the app to maintain or improve your credit score.

  • Use our score simulator to see how a change to your circumstances could impact your score.
  • Learn about your personalised next best action.
  • View our ‘Recommended reads’ for bite sized learning.

What affects your credit score?

Several factors could impact your credit score. We explore them in this guide.

Credit score factors

How to improve your credit score

Building your credit score could help you to access credit when you need it in the future.

Improve your score

Your Credit Score - winner of the Banking Tech Awards 2024

Best Customer Experience Initiative for Credit Score Building, Coaching & Improving Financial Wellness.

Check your score for free

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

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Important legal 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.