Your Oplo Track questions answered

The Oplo Track tool can alert you to factors which are having an impact on your score, so you can see the types of actions you can take that might help to improve your score if needed.

If you see that there is room for improvement, there are some actions that you can take to help address this, e.g.

  • Ensure you are registered on the electoral register
  • Pay any credit commitments or bills on time
  • Don’t exceed your agreed overdraft or credit limits
  • If you have any credit accounts that you no longer use or require, you may benefit from closing them.
  • Settle any outstanding public data records as soon as you can e.g. any outstanding CCJ’s

The Oplo Track score you see is out of 710 and is provided by the credit reference agency TransUnion. Other credit reference agencies include Experian and Equifax.

Not all lenders share data with all credit reference agencies and your score can differ between agencies because of this.

By accessing the Oplo Track section of the Customer Account Management Area, a request is submitted to TransUnion under section 15 of the General Data Protection Regulation (GDPR) to obtain your credit score.

Your credit score refreshes in Oplo Track on a monthly basis so it’s a good idea to keep checking it regularly so you can ensure the credit report in it is accurate.  When your score updates a soft search will be left on your credit file. This is not visible to lenders, but will be visible to you, TransUnion and any other third party that you permit to view your full Credit Report.

Your credit score, worked out from your credit report, is a general interpretation of how much of a ‘risk’ lenders might think you are to lend to.

The higher your score, the more likely you are to be offered cards and loans with cheaper rates and better offers. However, your credit score does not take into consideration whether a product is affordable and the lenders acceptance criteria. Your score alone does not mean you will be accepted.

It’s worked out on a number of factors including your past behaviour with credit products – things like credit cards, overdrafts, loans, mobile phone contracts and monthly utility accounts.

The companies providing these services report your use and payments to a credit reference agency, where it can be seen by future lenders you apply for credit with. Altogether, this information paints a picture of how reliable you are at repaying money.

If you have a concern over the accuracy of your credit history, please contact consumer@transunion.co.uk.

If you have a complaint, please contact us at 01253 603965 or by email to complaints@ myoplo.co.uk and we will investigate your complaint. We will attempt to both resolve your complaint through investigation and to respond to you with the outcome. If we are unable to resolve your query or complaint regarding your TransUnion data, we will pass on your concerns to TransUnion for their response.

Only you will be able to see your Oplo Track score. To protect your data, please do not allow any other person to use your username and password to access the account management area.

Hi I'm Loop! Do you need any help?
Yes, I need help
No, just browsing
Ok, firstly, do you already have a loan with us?
No, I don't have a loan
Yes, I have a loan
Welcome to Oplo? Are you looking to apply for a loan?
Yes
No
Welcome back! How can we help?
I'd like to borrow more money
I can't make my next payment
I'd like a settlement figure
I'd like to talk to somebody
Do you know what type of loan you are looking for?
Yes
No
I'd like to know more about your loan terms
No problem, if you're just browsing here's some pages you might find interesting...
About Oplo
Reviews
Ok, firstly - don't worry, we're here to help. First, I need to know what type of loan you have?
Personal Loan
Home Loan
Car Finance
That's no problem, I just need to know what type of loan you have?
Personal Loan
Home Loan
Car Finance
That's fine, please select from the questions below.
What APR will I get?
Do you charge a fee?
Can I use my loan for anything I choose?
Am I eligible to apply?
No problem! Click here to learn more about Oplo.

Thanks for chatting with Loop, have a great day!
If you have had your loan for at least 6 months, please email customerservices@myoplo.co.uk with your details and we will be in touch.
That's fine, our general enquiries line is 01253 601950 and we are open from 8am to 5.30pm weekdays. Thanks for chatting with Loop, have a great day!
Great! Please click on one of the options:

Personal Loans
Home Loans
Car Finance.

Thanks for chatting with Loop, have a great day!
No problem, we've got a page explaining all our loan products here.

Thanks for chatting with Loop, have a great day!
Click here to find out more about us.

Thanks for chatting with Loop, have a great day!
Click here read about what our customers say about us.

Thanks for chatting with Loop, have a great day!
Please call 01253 603960 to speak to our Customer Assistance Team.

Thanks for chatting with Loop, have a great day!
Please call 01253 603962 to speak to our Customer Assistance Team.

Thanks for chatting with Loop, have a great day!
Please call 0191 492 1919 to speak to our Customer Assistance Team.

Thanks for chatting with Loop, have a great day!
Just email pl@myoplo.co.uk with your agreement number and one of our team will provide you with your figure.

Thanks for chatting with Loop, have a great day!
Just email homeloans@myoplo.co.uk with your agreement number and one of our team will provide you with your figure.

Thanks for chatting with Loop, have a great day!
Just email hp@myoplo.co.uk with your agreement number and one of our team will provide you with your figure.

Thanks for chatting with Loop, have a great day!
The quotation you receive is based on your personal situation and is dependent on many factors such as your credit history, credit rating and financial status.

Thanks for chatting with Loop, have a great day!
When you take out an Oplo loan, an administration fee is added to the loan amount. The fee is part of your monthly repayments.

Thanks for chatting with Loop, have a great day!
Except for our Car Finance loans, which are for a specific vehicle, you can use your funds as you wish.

Thanks for chatting with Loop, have a great day!
You need to be 21 years old or over, be a homeowner, be a UK resident, be in permanent paid employment and NOT be bankrupt, under a current IVA or on a debt management arrangement.

Thanks for chatting with Loop, have a great day!