I have questions about my credit score.

We have partnered with TransUnion to provide you with your credit score, full credit report and in-app credit alerts. If you have any queries about what a credit score is and how it is calculated, please go into the Credit Score feature in the mobile app and click on ‘More info about credit scores’ and ‘About your TransUnion score’. From here you can check your full credit report, monitor credit alerts, and raise a dispute with TransUnion if any of the information is incorrect.

I am unhappy with my score, what can I do?

We have partnered with TransUnion to provide you with your credit score and report, which is calculated based upon public consumer data and credit file information. If you have any queries about what a credit score is and how it is calculated, please go into the Credit Score feature in the mobile app and click on ‘More info about credit scores’ and ‘About your TransUnion score’.

If you don’t recognise some information – or it’s inaccurate, you can raise a dispute or add a notice of correction that explains any special circumstances around credit issues directly from the mobile app.

Why do I see a different score with other credit score services?

Each credit reference agency produces its own score based on a consumer’s credit information. The credit score value itself is not comparable across different credit reference agencies as each agency uses its own score range and calculation method.

Does my score make me eligible for all product offerings?

No, your score is a general indication of your credit health. Lenders use a range of criteria to determine eligibility for loans, credit cards and mortgages, of which your credit score is only one factor.

Why am I seeing personalised offers within the credit score feature?

As part of the credit score service, we may display personalised offers that might be of interest to you. These will provide an awareness of products we offer, however, there is no guarantee an application will be approved.

How does TransUnion get my data?

TransUnion sources publicly available data, e.g. Electoral Register, court judgments, bankruptcies and insolvencies, and has agreements with the major banks and lenders to obtain current and historic payment records.

What information is being shared with a third party?

To access Credit Score, the following information is shared with TransUnion: Name, date of birth and current address.

Can I access a credit report?

Yes, you can now view your credit report in the app. Log in to your app and tap on your customer icon in the top right of the screen to access your profile and select ‘Know your credit score’ from the list. Alternatively, you can click on Apply from the options on the bottom of the app and click on the ‘Know your credit score’ tile. Once you read and accept the opt-in agreement, you can go to the credit score feature and select View my report.

Will I be notified of any changes to my credit score?

No, but you can check it at any time. It will be updated by TransUnion every 30 days.

Can I see my credit history?

No, only a current live score is available.

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