MoneyHero Credit Hero Club
One-stop access to your complete credit profile
Get a holistic view of your credit.
Check your credit score and report for free, and understand how major lenders and financial institutions assess your credit performance.
View Credit Report
Credit Eligibility Rating
Assesses your likelihood of loan or credit card approval based on your credit score, repayment ability, and market conditions.
TransUnion Credit Score
Reflects a lender's standard credit assessment of you, based on your credit report information.
Repayment Ability Score
Analyzes your income and expenses to assess your ability to repay on time, simulating how lenders make their decisions.
TransUnion Credit Report
A summary of your financial history, including all your existing credit relationships, ensuring data accuracy.
Key Credit & Savings Insights
Understand the factors influencing lender assessments and learn how to enhance your financial attractiveness.
Credit Card & Loan Eligibility Forecast
Predicts your likelihood of approval for top offers without impacting your credit score.
Core Features Designed to Boost Your Credit Score
Boost your chances of acceptance with tips based on key info from your credit report and income data
Powered by TransUnion
Check your credit score for free
Securely check your credit score instantly every time you open the app
Improve Your Credit Score
6-month credit score trend
Continuously track changes in your credit score and maintain a good credit status. The MoneyHero app analyzes various factors affecting your credit score and provides improvement suggestions. *Requires continuous monthly login and TransUnion score check to display the full 6-month trend
Simple, Clear, and Comprehensive!
Credit Usage Summary
Overview of your credit usage, including credit cards and personal loans, easily grasp the limit and outstanding balance of each credit card
Personalised recommendations
Recommended financial products for you
Based on your credit score, the app recommends the most suitable financial products for you, helping you make the best financial decisions
Scan the QR code now to download the MoneyHero App
Check your credit score for free without affecting your score, with financial products best suited for you and MoneyHero Exclusive Rewards!
Bank-Level Security for Your Data
We use bank-level encryption and are ISO 27001 certified to protect your data and information. Third parties cannot access your data without your consent.
Improve Your Credit Score, Improve Your Daily Life
Improve your credit score for free! MoneyHero and TransUnion have teamed up to provide instant credit score monitoring and professional advice to help you easily improve your financial situation!
Unlock More Card Approvals
Enjoy Lower Loan and Mortgage Rates
Unlock More Housing Opportunities
Strengthen Job and Career Opportunities
Download the MoneyHero App Now
Check your credit score for free without affecting your score, with financial products best suited for you and MoneyHero Exclusive Rewards!
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Need Some Help?
No, checking your own credit report for personal review through services like the MoneyHero x TransUnion collaboration will not negatively impact your credit score. This type of inquiry is solely for your information and is not visible to lenders.
Only "hard inquiries," which occur when you apply for new credit (like a credit card or loan) and a lender pulls your report, can have a minor, temporary effect on your score. However, these are a necessary part of the credit application process.
It's recommended to check your credit report regularly, ideally at least once a year. This helps you:
Monitor for errors: Ensure all information is accurate and up-to-date. Mistakes can negatively impact your credit score. If you find any errors, you have the right to dispute them directly with TransUnion.
Understand your financial health: See how your repayment habits and credit utilization are affecting your score, and identify areas for improvement.
Prepare for future financial applications: By knowing your current credit standing, you can take proactive steps to improve it before applying for major loans or credit cards.
We adopt a bank-level standard encryption system with ISO 27001 certification to protect your data and information, and no third party can access your data without your consent. We'll never sell your data.
Since the credit report you view on MoneyHero is directly provided by TransUnion, if you find any inaccurate or outdated information, you'll need to directly dispute it with TransUnion and request a correction.
If you experience login issues, technical problems with your Credit Hero account, or need to update your personal details within the Credit Hero service, please contact our dedicated support team at creditheroclub@support.moneyhero.com.hk.
For any inquiries directly related to your credit report, credit score rating, or if you need to update personal details on your TransUnion credit report itself, you'll need to contact TransUnion directly for assistance. They are the custodians of your credit data.
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