Clearer insights. More transparent. Greater confidence in your financial decisions.
Know your score grow with confidence
Your next-generation credit score
We’ve made your credit score clearer, more transparent and informative, and better aligned with how lenders may view you.
Your score is a helpful guide to your credit health. Lenders use your credit report and their own criteria to make lending decisions.
A fuller picture of your financial behaviour
Your new score now reflects how you manage credit over time, alongside a moment-in-time snapshot — giving you a fuller, more reflective view of your financial behaviour and helping you determine the best action to take.
More support to help you improve your credit health
You’ll receive more tailored insights and education from your credit score provider, helping you better understand your score and take greater control of your financial future.
Designed to be transparent and more inclusive
The new score better reflects the circumstances of those who are new to credit or have limited credit histories while recognising improving financial behaviour.
Important information about the new score
How the score ratings and bandings have changed
| Score category | Old | New | What your score means? |
|---|---|---|---|
Excellent | 628 - 710 | 786–999 | You’re considered a highly reliable borrower by lenders,
|
Good | 604–627 | 653–785 | You're considered a reliable borrower by lenders.
|
Fair | 566–603 | 563–652 | You're seen by lenders as someone who may need to build a
|
Low
| 551–565 | 488–562 | You're currently seen as a higher‑risk borrower by lenders.
|
Very low
| 0–550 | 0–487 | You're seen as a higher‑risk borrower by lenders right now.
|
Watch — what’s the new score? — a short explainer of
what’s changed and why.
New score explained
You’ll start to see the new score appearing from September 2026. Not all TransUnion partner providers are changing to the new score at the same time. They’ll let you know once your new TransUnion score is available with them.
Whilst the new TransUnion score is being rolled out, there may be a scenario where you’ll see two different credit scores. This may depend on where you access your TransUnion Credit Score and when your score provider chooses to adopt the new score. They will communicate with you once your score changes. It’s fine to have two different scores, the information organisations receive about you will not be changing and having two scores will not impact or influence any lender decisions if you make an application at this time.
No, you cannot revert to the old TransUnion score. Your score will be updated to the new TransUnion score — which has been enhanced to provide a more complete view of how lenders assess your creditworthiness.
Although the new TransUnion credit score uses similar scoring principles to other credit scores in the UK, it's important to understand each credit reference agency works independently. This means they collect data from different sources and use their own unique methods to calculate scores. As a result, your credit score can vary depending on which credit reference agency you check. This is primarily because each may have slightly different information and different ways of using it to create a score.
No, the new score doesn't alter any of the information in your credit report. It's simply designed to give you a clearer picture of how lenders might interpret your report. All the details within your credit report, and the information lenders can see, remain exactly the same.
The score bandings have been updated to reflect the new score range. Your TransUnion Credit Score will continue to be categorised into five bandings — ranging from Very low to Excellent. See the bandings displayed above in the 'How the score bandings have changed' section. These bandings are intended to reflect how a lender might assess your creditworthiness. Please note they are an indicator only. Whether you're eligible for credit products will depend on individual lenders and their specific policies.
How it impacts you?
No, the new score will not have an impact on any existing applications you may have. The new score is designed to give you a better indication of how your credit profile is viewed by lenders. It's important to remember lenders assess the information in your credit report itself, not the score you see. The score is simply a helpful guide for you; it does not influence decisions on applications you've already made.
No, your new credit score will not determine whether you'll be accepted or rejected for credit. The credit score is designed to indicate how your creditworthiness may be viewed by lenders. Your eligibility for lending products will remain the same. Lenders will view your credit report alongside their own rules and policies that determine whether offering credit to you is deemed appropriate. Your TransUnion Credit Score highlights key aspects of your credit behaviour that may be affecting your creditworthiness and provides helpful tips and guidance on how to improve your score.
No, your new credit score will not determine whether you'll be accepted or rejected for a mortgage or credit. The credit score is designed to indicate how your creditworthiness may be perceived by lenders. Your eligibility for lending products will remain the same. Lenders will view your credit report alongside their own rules and policies that determine whether offering credit to you is deemed appropriate. Your TransUnion CreditScore highlights the areas of your credit behaviour that affect your creditworthiness, offering practical tips to help you build a stronger score over time.
Alongside the updated score range of 0–999, we've refreshed the score itself so it better reflects current trends, behaviours and predictors of risk. The new score spans a broader range of themes, allowing us to provide deeper insight into the behaviours that influence your overall creditworthiness. The score has been designed to better reflect how lenders view your credit profile and behaviours. You may also notice updates to your educational hints and tips. These tools will continue to offer personalised actionable guidance to help you improve your credit behaviours.
We've updated your credit score to give you a clearer and more helpful picture of your financial health. Your score now looks at how you manage credit over time, not just at a single moment, offering a fuller picture of your financial behaviour. The score range has been extended to 0–999, and the way your score is calculated has been updated to provide a more holistic view of how lenders assess your creditworthiness. As a result, the score bands are now different, so your score band may have changed. We know a change in your score band can feel worrying, but it doesn't necessarily mean something negative has happened.
This will be determined by your credit score provider — for example, apps or services you use through your bank, credit card provider or a third-party partner. They will decide whether to display the score history of your old TransUnion Credit Score or move to only the new TransUnion Credit Score. We've updated how the score is calculated — so it's no longer a direct like-for-like comparison.
Information for Good®.
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