We use necessary cookies to make our site operate effectively. We'd also like to set optional analytics cookies to see how customers interact with the website so we can improve it. We won't set optional cookies unless you set them. If you agree to the optional cookies we will also set an additional cookie on your device to remember your preferences.
For more detailed information about the cookies we use, see our Privacy Policy.
You can use the options below to set your preferences.
Necessary cookies enable core functionality such as security, fraud prevention, session management, and accessibility. You may block these by changing your browser settings, but this may limit how the website functions.
We'd like to set Google Analytics cookies to measure how you use the website so we can improve it based on user needs. We do not allow Google to use or share the data about how you use this site.
Google Analytics sets cookies that store anonymised information about:
Switch on cookies that measure my website use
Welcome to the Credit Health Centre. Here you can:
Your personalised credit report gives you a detailed breakdown of your credit history held by TransUnion, including your credit score and your financial account history.
You can also dispute anything you think isn’t right with your credit report.
While we can’t predict the future, our credit score simulator allows you to see how changes - like adding a new credit card or increasing your credit limit - could impact your credit score.
The affordability rating compares your monthly income to your monthly credit commitments to give an indication of how affordable your current borrowing might be for you.
The higher the percentage of income you need to meet your credit commitments, the lower your affordability rating will be.
Our affordability rating doesn’t consider your expenditure and outgoings that aren’t related to debt repayment.
It’s indicative only - lenders will run their own affordability assessments to make lending decisions.
We want to help you understand the concept of credit health and what influences it.
You’ll find information on what contributes to both your credit score and affordability rating.
You can also see how your data is used to work out your credit score and affordability rating.
Please visit the FAQ section for answers to our most common queries. If you’ve read this information and still need help, please submit a query through our online form. Complete it as accurately and with as much detail as you can and our customer support team will get back to you.
Our online form is the easiest and quickest way to get in touch, however if you cannot use this form please click here to view the other ways you can contact our customer support team.