Check Your Credit Score

Thinking about applying for a mortgage, credit card or other type of borrowing? Check Your Credit Score for free, with no impact on your credit file. 

Check Your Credit Score

If you bank with Lloyds Bank, you can register to use Your Credit Score using Internet Banking or our Mobile Banking app:

  • View your TransUnion credit score.
  • See what you’re doing well, as well as tips on things to work on. 
  • It’s free to check and won’t impact your credit file.

How to check your credit score

You can find Your Credit Score in Internet Banking, or in our Mobile Banking app.

Not registered for Mobile Banking?

What is Your Credit Score?

Your Credit Score is a free service provided by Lloyds Bank.  We've partnered with TransUnion, a credit reference agency, to provide you with access to your credit information which includes your credit score as well as factors that help you understand what is impacting it. 

Why should I use Your Credit Score?

  • It can help you understand what you’re doing well.
  • It can also help you to understand what you could improve.  
  • It’s updated regularly to help you track your progress over time. 

Who are TransUnion?

TransUnion are one of the three main credit reference agencies in the UK, along with Equifax and Experian.  Credit score data is provided by TransUnion

How does Your Credit Score work?

  • We’ll 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. 
  • Once registered, you can check/see your score, along with tailored hints and tips on how you might be able to improve it. 
  • You can check your score whenever you like, for free, with no impact on your credit file. We’ve teamed up with TransUnion, one of the three main credit reference agencies in the UK, to provide this service.

What is a credit score?

Lenders may use credit scoring to help decide whether you’re likely to repay money you borrow. Your score is one of the things we look at when considering whether to offer you a loan, mortgage, credit card or other type of borrowing.

For a quick summary, watch our short video.

 

 

Understanding credit: What is a credit score?
  • Helping you to better understand credit scores.

    When you apply for a credit card or loan, lenders will look at certain credit-related information about you to decide if they can lend to you responsibly.

    One of them 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. And usually, the higher your credit score, the better.

    A good credit score will mean you will have a greater chance of being offered credit, possibly at lower interest rates, meaning it will cost you less to borrow and you’re more likely to be offered higher credit limits.

    Credit reference agencies are independent businesses that help lenders and other organisations to make informed, responsible decisions. They hold information about most adults in the UK including their identity, address and personal finance history.

    These agencies will use information from public records, such as the electoral register, and court records.

    They will also have information from other lenders, showing if you made repayments on time.

    Some lenders offer tools to check your credit score for free, with no impact on your credit file. Ours is called ‘Your Credit Score’. It lets you see your credit information from TransUnion – one of the three main credit reference agencies in the UK. You can also see the factors that impact how your credit score is calculated.

    Now, let’s look at some ways you can help improve your credit score:

    Make sure you’re registered to vote on the electoral register.

    • Be sure to pay your bills on time.
    • Pay off your debts as soon as you can.
    • Don’t regularly spend up to your credit card limit.
    • And avoid applying for lots of loans or credit cards at the same time.

    Thanks for watching!

Learn about credit

We’re by your side, offering a series of guides and tools, designed to boost your understanding of credit. 

What is a hard or soft credit check? 

What is a credit score and how does it work? 

How to improve your credit score 

What affects your credit score?

Explore all topics

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.  

Credit score data is provided by TransUnion. 

Your Credit Score is available to UK Residents 18 and over registered for Internet Banking.