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Tide Logo
Tide Logo
Tide Logo

How to activate and use your Credit Score Insights

Do you know what your business credit score is? You can view and learn how to improve it in your Tide app with Credit Score Insights.

This guide shows you how to:

🔗 Navigate your business credit insights

🔗 Optimise your Credit Score Insights

🔗 Change your Credit Score Insights subscription

Your business credit score

What a credit score is

Your business credit score

What a credit score is

Your business credit score is a number, usually out of 100, that represents how well your business is managing its credit and debit.

Credit scores are assessed by Credit Reference Agencies (ie. Experian and Equifax) and it's their responsibility to determine your credit score.

What a credit score means

What a credit score means

The business credit score is also used to assess the risk of lending your business credit. If your credit score is:

  • Closer to 100 – the low risk range. Lenders are more likely to approve loans and other credit products, and with lower interest rates

  • Nearer 0 – the higher risk range. Available funding may come with higher interest rates and could cost your business more

Keep in mind that your business credit score is publicly available. Anyone can check your score with Credit Reference Agencies, before deciding to partner with you.

Optimise your Credit Score Insights

Activate your Credit Score Insights

  1. Tap Pay and then tap your initials in the top-left

  2. Tap Memberships and under Add-ons tap View

  3. Tap Credit Score Insights

View your Credit Score Insights

  1. Tap Finance > Credit Score Insights

  2. Tap View dashboard to see:

  • Credit score* – regularly updated, usually every 30 days**. You'll also receive in-app notifications of how your score changes

  • Credit insights – educational tips that are regularly updated, usually every 30 days**

  • Credit offers from Tide

  • Knowledge hub – helping you understand the importance of (and how to build) your business credit score

*We cannot guarantee the accuracy of the score as it's compiled and obtained by third parties. These are Credit Reference Agencies and CreditSafe. The information is not intended to be financial advice.

**Note that the time it takes for your business credit score to update may vary slightly depending on our data feed from CreditSafe. Your app will show your updated score as soon as we receive it.

Manage your Credit Score Insights subscription

Credit Score Insights costs just £4.99 per month, and there are no additional fees or interest payments. It's included in your Tide Max paid plan at no extra cost.

We’ll collect the fee as soon as you sign up, and then at the beginning of each following month.

Cancelling your subscription

  1. Tap Finance > Credit Score Insights > View Dashboard

  2. Tap the three dots in the upper-right corner of the screen

If you cancel before the end of your calendar month, you won't get a pro-rata refund but you will keep access until the end of the month.

You can renew your subscription at any time if you choose.

Tide | Do what you love.
Tide Platform Limited (Tide) designs and operates the Tide website and app. Tide is not a bank. Tide is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 under firm reference number 900843 for the issuing of electronic money and the provision of payment initiation services and account information services under the Payment Services Regulations 2017. Tide is also authorised and regulated by the Financial Conduct Authority in relation to its credit and insurance broking activities (firm reference 718743). Tide is incorporated and registered in England and Wales with company number 09595646 and registered office at 4th Floor The Featherstone Building, 66 City Road, London, EC1Y 2AL. Tide offers bank accounts powered by ClearBank® Ltd (ClearBank) (account sort code is 04-06-05). ClearBank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 754568. Eligible deposits with ClearBank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. For further information visit Home. ClearBank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 754568). Registered Address: ClearBank, Level 27, The Broadgate Tower, 20 Primrose Street, London, United Kingdom, EC2A 2EW. Eligible deposits held in the Tide Business Current Account (powered by ClearBank) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. All eligible deposits at the same bank are aggregated to determine the coverage level for each depositor up to £120,000, therefore if you have any other product/services with ClearBank these will be aggregated. To find out more and to check your eligibility please visit: About us . Some of Tide’s members also hold e-money accounts powered by PrePay Technologies Limited (PPT) (account sort code is 23-69-72). PPT is an electronic money institution authorised by the FCA under the Electronic Money Regulations 2011 under firm reference number 900010 for the issuing of electronic money. PPT holds an amount equivalent to the money in Tide current accounts in a safeguarding account which gives members protection against PPT’ insolvency. Tide Cards may be issued by both Tide and PPT, who are licensed by Mastercard International for the issuance of cards. The issuer of your Tide card will be identified on your monthly card statement. Tide Capital Limited is an appointed representative of P1 Investment Services Limited which is authorised and regulated by the Financial Conduct Authority under firm reference number 752005 to carry out such regulated activities as are involved in the provision of Tide Investment Account. Seccl Custody Limited is the custodian of assets held in Tide Investment Account and is authorised and regulated by the Financial Conduct Authority (firm reference number 793200) and registered in England and Wales under No. 10430958. Registered office 20 Manvers Street, Bath BA1 1JW. Tide, the Tide logo, the Swell, and Do Less Banking are trademarks and trade names of Tide Platform Limited, and may not be used or reproduced without the consent of the owner.