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MoneyHero Credit Hero Club
Your Complete Credit Profile, All in One Place
Access free scores and assessments to understand how lenders and institutions view your credit profile.
Eligibility Rating
A new way to measure what really matters. Find out if you're likely to be accepted by lenders by combining your credit score, affordability, and current market conditions to assess how strong your rating is.
TransUnionCredit Score
Your standard credit score, which reflects how typical lenders evaluate you based on the information in your credit file.
Affordability Score
Lenders look beyond your credit report and also consider whether you can afford to repay. This is why we analyse your income and spending the same way lenders do.
TransUnion Credit Report
Your financial CV, a summary of all your current credit relationships. It's important to ensure all information is accurate.
Key Credit/Savings insights
Understand what factors affect how lenders see you and learn how to improve your financial appeal.
Credit card & loan eligibility
Find out how likely you are to qualify for top deals without applying, so your credit score stays protected.
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 access your credit score for instant updates every time you open our app.
Improve Your Credit Score
6-month Credit Score Trend
Stay on top of your credit score changes to keep your credit healthy. Additionally, MoneyHero App analyses a range of factors that impact your credit score with tips to help you improve your score! *Full 6-month trend can only be shown if the user logins and checks TU score each month consecutively.
Simple, Clear, and Comprehensive!
Credit usage summary
This summary provides an overview of your credit usage, including both credit cards and personal loans. Here, you can easily gain insights into your credit portfolio, including the limit for each credit card and outstanding balance.
Stay Informed and Secure
Credit report and credit activity alerts
A detailed overview of your bill payment history, outstanding loans, current debt, and credit card details. The credit alert helps notify users the possibility of identity theft by notifying you of any attempts to open new credit cards or loans in your name.
Personalised recommendations
Offers best suited plans for you
Our app recommends the most suitable financial products based on your credit score, ensuring that you make the best decisions about your finances.
Eye-Opening Insights
Top picks and financial tips for you
You can find top picks from MoneyHero and a wide range of blog articles and content to help you increase your financial literacy and knowledge all within the palm of your hand.
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!
Your Data, Bank-Level Secure
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.
Ratings and Reviews
Easy to use, the best credit card and free UA info.
Very generous platform that show many different credit card, can compare by myself and can apply card + get the reward, reward are very useful. App can show my UA ranking, so useful, highly recommended
Helpful and easy to use app
Great app to understand and track your credit score. Customer service has also been friendly and assistive
Excellent app
I’d recommend every credit card owner to use this app. It’s really insightful of all your credit card information in one place.
How Your Credit Score Can Improve Your Everyday Life
Improve your credit score for free with real-time credit score monitoring powered by MoneyHero and TransUnion with professional tips!
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!
Download Now
Need Some Help?
Register your email address at the MoneyHero App's homepage to join our beta test. We will send you a link to download the MoneyHero App when it is ready.
MoneyHero adopts a bank-level standard encryption system to protect your data and information. No one can access your data without your consent; All identifiable personal credit information will not be stored for more than 24 hours.
A credit report is established once you have applied for a credit card or a personal loan. The information within would be filtered and calculated to generate a credit score, commonly known as a credit score. When you apply for credit cards, personal instalment loans, car loans, mortgage loans and other loan products, banks and financial institutions will ask TransUnion for your credit score and report as one of their criteria for approving the application.
Your credit report contains detailed information about your credit history, including your repayment history, total credit line, available balance, past bankruptcy records, and other relevant details. Hong Kong's personal credit report is provided by TransUnion.
Your credit score reflects your credit usage and history, and the significant factors impacting your score are:
- Payment records
- Total credit/loan balance
- The length of the credit history
- The type(s) of credit account(s)
- The number of newly opened credit account(s)
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