No credit history?
What else can lenders see?
You pay your rent and bills on time, but your credit file looks empty. See what your bank data shows lenders.
Free · Won't affect your credit score · Read-only · We can't touch your money
This is what a lender reads
Income
+£2,500each monthLooks good
Commitments
£100each month, buy now, pay later on a sofaLenders will notice
Overdraft
12 daysin your overdraft last monthWorth watching
Gambling
NonefoundLooks good
Illustrative example. Your report reflects your own accounts.
A few things to address?
Connect my bankEva and Laura were declined
They worked full-time and paid their rent and bills. They were still declined for credit. So they built Noggin to show lenders how you spend, not just your credit history.
Then you decide what happens next
Apply with confidence
If it all looks good, go ahead knowing what the lender is likely to see.
Get ready first
A few things to fix? Get clear steps, then check again before you apply.
Get help
If money's tight, we'll point you to free, confidential debt advice. Not more credit.
See what your bank account says about you
Free · Won't affect your credit score · Read-only · We can't touch your money
Will this make things worse?
- Will this hurt my credit score?
- No. There's no credit search, so it won't affect your score.
- Can you touch my money?
- No. It's read-only. We can't move money or see your login details.
- What does it cost?
- Nothing. It's free, and you can disconnect any time.
- Who are you?
- A new UK credit reference agency, the kind of company lenders check with.
- Will this get me approved?
- We can't promise that. We're not a lender. You'll know what they're likely to see.