Your TransUnion Credit Score does not take your income into consideration. It's mainly an indicator of how lenders perceive your creditworthiness, i.e how well you manage debt.

Your Affordability Score, however, assesses whether you're likely to be able to afford to repay a loan or credit card based on the info you’ve provided about your income and expenditure.

Our MSE Eligibility Rating combines your credit and affordability scores to show you what really counts… will you actually be accepted by lenders? However, it is worth noting that each lender will have its own affordability criteria. So you may see a low MSE Eligibility Rating on your Credit club dashboard but high eligibility scores for individual products (or vice versa).

As always, please carefully consider whether you need further finance before applying for it as it could harm your ability to get credit in future if you take products out which you then can’t afford to repay.