NuScore Nubank: How the bank's credit score works and how to check it

Nubank recently launched the NuScore, a tool that allows customers to access the internal credit note used by the institution. The score varies between 0 and 1,000 and is calculated based on several factors related to the user's financial behavior.

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This score works as an indicator of each customer's credit risk and directly influences the bank's decisions on credit card limit, loan approval and other personalized offers.

How to check your NuScore in the app

To view your score, follow these steps:

  1. Open the Nubank app.
  2. Go to the area of Credit card.
  3. Tap on the option NuScore.
  4. Your score will appear on the screen, with details about your ranking and tips for improvement.

NuScore Rating Bands

The higher the score, the greater the chances of getting better credit conditions and higher limits within Nubank itself.

What influences NuScore?

The grade is calculated based on a combination of factors, such as:

Tips for improving your NuScore

  1. Avoid delays: Pay your bills on time.
  2. Use with awareness: Do not use up the entire card limit.
  3. Create the habit of saving: Use the Little Boxes as a financial reserve.
  4. Share data via Open Finance: This helps Nubank better understand your profile and offer personalized solutions.
  5. Keep your CPF clean: Negative debts directly affect your score.

Final considerations

NuScore is a Nubank initiative that provides greater transparency into how the institution evaluates its customers internally. Besides helping with access to better financial products, the tool encourages healthy spending habits and financial organization. Monitoring and maintaining your score is an important step toward gaining more credit with favorable terms.

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