Using Credit Tracker to check your credit score

With Monzo Plus and Monzo Premium you can see your credit score and track how it changes over time, all in the app, with no long forms to fill in.

Credit scores indicate how much you can borrow, and things like whether you can get a phone contract or car finance.

Some of the main things that affect your score are your history of paying back money, how much you've borrowed, and how much credit you're using.

3 main agencies generate credit scores, and they each do it differently: TransUnion, Equifax and Experian. We're showing you TransUnion's score. We don't control it, or how they calculate it. We'll update you on how your score changes monthly and what it could mean.