Why can't we provide you with a score at this time?

This is usually for one of two reasons:

1. TransUnion (the Credit Reference Agency who provides the data on your credit file) have been unable to provide a credit score from the Name, Address, and Date of Birth details provided by Royal Bank of Scotland to TransUnion. Please check that the details Royal Bank of Scotland hold for you are correct and your address details are in the correct format (House Name/Number, Street Name, Town/City, and Post Code) by visiting "Chat to Cora" via the mobile app or Digital Banking.
2. There is not enough credit information for you at your current address. This could be due to the following reasons:
   • You have a limited number of credit products (such as overdrafts, loans, credit cards)
   • You rarely use credit products
   • You have moved address or are not on the electoral register at your current address
   • You have recently moved to the UK
   • You have recently changed your name, for example a change in marital status

There are some basic steps you can take to start building up your credit history:

• Ensure you have financial products registered at your current address
• Ensure you are registered on the Electoral Register at your current address
• Ensure any other credit facilities (e.g. mobile phone contracts or utility accounts) you have are in your name and registered at your current address

It can take up to six weeks for changes to be reflected in a credit file.