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Credit insights Terms & Conditions
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primary light"><div class="Block_block__xuwlb Block_widthFull__w_Lw6 Block_primary__msYaF Block_textCenter__b99E8 Block_horizontalCenter__Ipvf0 Block_verticalMiddle__7339d Block_paddingHorizontalSmall__NJLk_ Block_paddingVerticalMedium__AGKd3 Block_marginHorizontalAuto__3Oijt Block_marginVerticalNone__C1sx6"><div class="Block_contentContainer__SKVP7"><div class="SimpleHero_tagWrapper__vyZPh"><div class="Tag_tag__vq_rC Tag_paleTeal__d_Ws7"><span>Version 1.0</span></div></div><h1 class="Title_title__SEYIO Title_primary__ztUzQ Title_xlarge__6GWQU Title_center__U_7bz Title_addMargin___ly9N" id="credit-insights-terms--conditions">Credit insights Terms & Conditions</h1><div class="Text_text__yIi78"><p>1st August 2024</p></div></div></div></div><div class="Section_container__ToDDs Section_section__vMEm_ Section_secondary__EAXP9 Section_auto__vLni6 Section_paddingtopnone__1hcpM"><div class="Section_contentContainer__AM_ay"><div class="Article_Article__rftHO"><div class="Article_tableOfContents__EhlZK Section_container__ToDDs Section_section__vMEm_ Section_secondary__EAXP9 Section_auto__vLni6 Section_desktopOnly__ISI3o"><div class="Section_contentContainer__AM_ay"><aside><nav><div class="Text_text__yIi78 Text_secondary__cVHbg Text_marginBottom__lTNIK"><p>Table of Contents</p></div><ul role="list"></ul></nav></aside></div></div><div class="Article_tableOfContents__EhlZK Section_container__ToDDs Section_section__vMEm_ Section_secondary__EAXP9 Section_auto__vLni6 Section_paddingnone___L3Po Section_mobileOnly__BtjwW"><div class="Section_contentContainer__AM_ay"><nav class="Article_tableOfContents__EhlZK"><details class="Details_Details__sA5dY"><summary><div class="Text_text__yIi78 Text_secondary__cVHbg"><p>Table of Contents</p></div><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.down.svg" aria-hidden="true" alt="" loading="lazy"/></summary><ul role="list"></ul></details></nav></div></div><article><div class="DocumentMarkdown_DocumentMarkdown__9qnpk"><div class="Text_text__yIi78"><p>These terms are for the free version of credit insights. There's also an advanced version. You can get this by upgrading your Monzo account to some of our subscription plans, you can find more information in the app.</p></div><h2 class="Title_title__SEYIO Title_primary__ztUzQ Title_xlarge__6GWQU Title_left__yaXgz Title_addMargin___ly9N" id="what-is-free-credit-insights">What is free credit insights?</h2><div class="Text_text__yIi78"><p>Credit insights provided through Monzo Bank Limited (“Monzo”) lets you see your TransUnion score, some summarised information from your credit report and factors that impact how TransUnion calculate your credit score (“credit information”). We may also show your full credit report if it is provided by TransUnion.</p></div><div class="Text_text__yIi78"><p>You must be over 18 and live in the UK, Channel Islands or the Isle of Man to use credit insights.</p></div><div class="Text_text__yIi78"><p><strong>This credit information comes from TransUnion</strong></p></div><div class="Text_text__yIi78"><p>There are currently 3 main credit reference agencies which provide credit information in the UK: Equifax, TransUnion and Experian. The credit information you see in credit insights comes only from TransUnion International UK Limited (“TransUnion”). You acknowledge and agree that all intellectual property rights in credit insights (and all aspects of it) provided by TransUnion is owned by TransUnion and/or its licensors.</p></div><div class="Text_text__yIi78"><p><strong>TransUnion can’t guarantee to find your credit information</strong></p></div><div class="Text_text__yIi78"><p>Before TransUnion can give us your credit information it’ll try to match you to the information they hold. It won’t be able to find everyone’s information, and neither we or TransUnion have to tell you why, if this happens. It might be because TransUnion can’t match your personal information to what’s in its database.</p></div><div class="Text_text__yIi78"><p><strong>Credit insights is for your own personal use</strong></p></div><div class="Text_text__yIi78"><p>You must not use it for business purposes or to get information about anyone else.</p></div><div class="Text_text__yIi78"><p><strong>TransUnion can’t guarantee the credit information they show is accurate</strong></p></div><div class="Text_text__yIi78"><p>TransUnion will try to make sure the credit information it shows you is accurate. But it can’t guarantee that since some of the information comes from other sources, like the electoral roll, insurance companies and financial institutions.</p></div><div class="Text_text__yIi78"><p>TransUnion, or any other sources it uses to give credit information does not have any control over the content of that information, and isn’t responsible if it turns out to be inaccurate. You should raise a dispute using the following website if you have any concern that your information isn’t accurate:</p></div><ul><li><div class="Text_text__yIi78"><p>TransUnion: <a href="https://www.transunion.com/credit-disputes/dispute-your-credit">https://www.transunion.com/credit-disputes/dispute-your-credit</a></p></div></li></ul><div class="Text_text__yIi78"><p><strong>Your TransUnion score is just one of the factors lenders could take into account</strong></p></div><div class="Text_text__yIi78"><p>The credit information displayed in credit insights is for your guidance and information only. Having a good TransUnion credit score doesn’t mean that we, or any other lender, will definitely accept an application for credit from you. Any application will always be subject to a lender’s own acceptance criteria. Also, a credit score doesn’t take into account someone’s ability to pay, which lenders and other financial service providers also consider.</p></div><div class="Text_text__yIi78"><p><strong>Only you are allowed to access your credit insights</strong></p></div><div class="Text_text__yIi78"><p>You must not let anyone else have access to your credit insights or your Monzo account. Contact us immediately if you believe there’s a security issue with your account.</p></div><div class="Text_text__yIi78"><p><strong>We have the right to stop you using credit insights</strong></p></div><div class="Text_text__yIi78"><p>We and TransUnion reserve the right to stop or suspend your access to your credit insights at any time if we tell you we no longer provide you with credit insights, or if we think:</p></div><ul><li><div class="Text_text__yIi78"><p>there has been or is likely to be a breach of security</p></div></li><li><div class="Text_text__yIi78"><p>you’re using the credit insights in a fraudulent or unpermitted way</p></div></li><li><div class="Text_text__yIi78"><p>you’re using the credit insights in any way that’s detrimental to us or TransUnion.</p></div></li></ul><div class="Text_text__yIi78"><p>We may also introduce, remove or change credit insights.</p></div><div class="Text_text__yIi78"><p><strong>Using credit insights will leave ‘soft’ searches on your credit report</strong></p></div><div class="Text_text__yIi78"><p>Once you’ve started using credit insights, TransUnion will leave a soft search on your credit report every 31 days until you stop tracking your credit score in the app. You’ll be able to see these searches on your full credit report, but lenders won’t. It won’t have any impact on your credit score or how likely you are to be offered credit.</p></div><div class="Text_text__yIi78"><p>If you have any questions about credit insights, please contact us. If we can’t help, or if it’s to do with information that TransUnion holds, we may ask you to contact TransUnion.</p></div><div class="Text_text__yIi78"><p><strong>Accessing your data</strong></p></div><div class="Text_text__yIi78"><p>When you let us know that you’d like to use credit insights, you’re asking us to make a ‘data subject access request’ on your behalf to TransUnion under Article 15 of the General Data Protection Regulation (GDPR). This means you’re asking TransUnion to show the credit score it’s given you and some summarised information from your credit report and factors that impact how TransUnion calculate your credit score in the Monzo app.</p></div><div class="Text_text__yIi78"><p>We’ll do this monthly until you tell us you don’t want to use it again. We will also request your full credit report from TransUnion on your behalf.</p></div><div class="Text_text__yIi78"><p>To learn more about how we use your data for credit insights, please see our <a href="https://monzo.com/legal/privacy-notice">Privacy Notice</a>.</p></div><div class="Text_text__yIi78"><p>Credit information is provided by:</p></div><ul><li><div class="Text_text__yIi78"><p>TransUnion International UK Limited. Registered in England and Wales with company number: 3961870. Registered office: One Park Lane, Leeds, West Yorkshire, LS3 1EP. TransUnion International UK Limited, part of the TransUnion Information Group, is authorised and regulated by the Financial Conduct Authority under registration number 737740</p></div></li></ul></div><div class="DocumentVersions_DocumentVersions__JP0t5 legal_hideInWebview___70mm"><div class="Text_text__yIi78 Text_marginBottom__lTNIK"><p>Past versions</p></div><div class="DocumentVersions_innerContainer__qCs9a "><a class="DocumentVersions_nextLink__YqMPx" href="/legal/free-credit-insights-terms-and-conditions/version-1-0/"><div class="DocumentVersions_linkContainer__ReXH8"><p>Version 1.0</p><img class="undefined Icon_icon__QfSMz Icon_forceLightMode__hUEl2 Icon_transparent__PlIcz Icon_small__Bfh36" src="/images/icons/light/chevron-blue.svg" aria-hidden="true" alt="" loading="lazy"/></div></a></div></div><div class="Block_block__xuwlb Block_transparent__Rd3Yj Block_textLeft__uCVdg Block_paddingHorizontalNone__YeBoC Block_paddingVerticalLarge__i0YOU Block_marginHorizontalAuto__3Oijt 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Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our financial Services Register number is 730427. Our address is Broadwalk House, 5 Appold St, London EC2A 2AG.</small></p></div></div></div></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"documentId":"free-credit-insights-terms-and-conditions","content":"\n\u003c!---\nOriginal doc: https://docs.google.com/document/d/1gr75wuypQkjAw02k1cKtUzTzvO4H7CVRw15G__Z7sF4/edit?usp=sharing\n---\u003e\n\nThese terms are for the free version of credit insights. There's also an advanced version. You can get this by upgrading your Monzo account to some of our subscription plans, you can find more information in the app.\n\n## What is free credit insights?\n\nCredit insights provided through Monzo Bank Limited (“Monzo”) lets you see your TransUnion score, some summarised information from your credit report and factors that impact how TransUnion calculate your credit score (“credit information”). We may also show your full credit report if it is provided by TransUnion.\n\nYou must be over 18 and live in the UK, Channel Islands or the Isle of Man to use credit insights.\n\n**This credit information comes from TransUnion**\n\nThere are currently 3 main credit reference agencies which provide credit information in the UK: Equifax, TransUnion and Experian. The credit information you see in credit insights comes only from TransUnion International UK Limited (“TransUnion”). You acknowledge and agree that all intellectual property rights in credit insights (and all aspects of it) provided by TransUnion is owned by TransUnion and/or its licensors.\n\n**TransUnion can’t guarantee to find your credit information**\n\nBefore TransUnion can give us your credit information it’ll try to match you to the information they hold. It won’t be able to find everyone’s information, and neither we or TransUnion have to tell you why, if this happens. It might be because TransUnion can’t match your personal information to what’s in its database.\n\n**Credit insights is for your own personal use**\n\nYou must not use it for business purposes or to get information about anyone else.\n\n**TransUnion can’t guarantee the credit information they show is accurate**\n\nTransUnion will try to make sure the credit information it shows you is accurate. But it can’t guarantee that since some of the information comes from other sources, like the electoral roll, insurance companies and financial institutions.\n\nTransUnion, or any other sources it uses to give credit information does not have any control over the content of that information, and isn’t responsible if it turns out to be inaccurate. You should raise a dispute using the following website if you have any concern that your information isn’t accurate:\n\n- TransUnion: https://www.transunion.com/credit-disputes/dispute-your-credit\n\n**Your TransUnion score is just one of the factors lenders could take into account**\n\nThe credit information displayed in credit insights is for your guidance and information only. Having a good TransUnion credit score doesn’t mean that we, or any other lender, will definitely accept an application for credit from you. Any application will always be subject to a lender’s own acceptance criteria. Also, a credit score doesn’t take into account someone’s ability to pay, which lenders and other financial service providers also consider.\n\n**Only you are allowed to access your credit insights**\n\nYou must not let anyone else have access to your credit insights or your Monzo account. Contact us immediately if you believe there’s a security issue with your account.\n\n**We have the right to stop you using credit insights**\n\nWe and TransUnion reserve the right to stop or suspend your access to your credit insights at any time if we tell you we no longer provide you with credit insights, or if we think:\n\n- there has been or is likely to be a breach of security\n- you’re using the credit insights in a fraudulent or unpermitted way\n- you’re using the credit insights in any way that’s detrimental to us or TransUnion.\n\nWe may also introduce, remove or change credit insights.\n\n**Using credit insights will leave ‘soft’ searches on your credit report**\n\nOnce you’ve started using credit insights, TransUnion will leave a soft search on your credit report every 31 days until you stop tracking your credit score in the app. You’ll be able to see these searches on your full credit report, but lenders won’t. It won’t have any impact on your credit score or how likely you are to be offered credit.\n\nIf you have any questions about credit insights, please contact us. If we can’t help, or if it’s to do with information that TransUnion holds, we may ask you to contact TransUnion.\n\n**Accessing your data**\n\nWhen you let us know that you’d like to use credit insights, you’re asking us to make a ‘data subject access request’ on your behalf to TransUnion under Article 15 of the General Data Protection Regulation (GDPR). This means you’re asking TransUnion to show the credit score it’s given you and some summarised information from your credit report and factors that impact how TransUnion calculate your credit score in the Monzo app.\n\nWe’ll do this monthly until you tell us you don’t want to use it again. We will also request your full credit report from TransUnion on your behalf.\n\nTo learn more about how we use your data for credit insights, please see our [Privacy Notice](https://monzo.com/legal/privacy-notice).\n\nCredit information is provided by:\n\n- TransUnion International UK Limited. Registered in England and Wales with company number: 3961870. Registered office: One Park Lane, Leeds, West Yorkshire, LS3 1EP. 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