What's on this page
Credit score available to existing NatWest customers once opted in through the app if aged 18+ with a UK address, and available to non NatWest customers aged 18+ with a UK, Channel Island or Isle of Man address following a successful registration. All data provided by TransUnion. App available to customers aged 11+ with a compatible iOS or Android device and a UK or international mobile number from specific countries.
Learn about credit scoring
What is a credit score?
How is it calculated?
Understanding credit decisions
If you’ve been turned down after applying to borrow money, there may be a few reasons why. For example, your credit score may be too low or your income and outgoings may make paying back any lending difficult.
For more information on our credit decisions, how to make an appeal and useful resources that can help you to review your financial circumstances visit our credit decisions page.
What affects my credit score?
Lots of things impact your score and it's not just financial things either.
- how much money you owe lenders
- any missed or late payments
- defaulting or breaking the terms of credit agreements
- going over your credit limit
- how often you withdraw cash using your credit card
- applying for credit too often in a short space of time.
Non financial things
- you’re on the electoral roll
- you move house a lot
- you’ve got a joint account with someone with a bad credit record
- there are any errors on your credit history file.
Want to explore your borrowing options?
If you’re looking to borrow money, we know it can be difficult deciding which type of borrowing best suits your needs. So, we’ve summarised the options for you to easily compare and contrast.
Credit score myths
Check your credit score now
It's free to check and won't impact your score.
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Already bank with Natwest?
Good news, you're able to check your credit score for free with the NatWest mobile app.
Tap 'find out more' to get started.