TransUnion, a global information and insights company and one of the UK’s leading credit reference agencies, has today announced the launch of its next-generation consumer credit score.The new consumer score is part of TransUnion’s commitment to ensuring consumers have access to a more modern and meaningful view of their credit profile, and has been developed to better reflect consumer behaviours and changes in the lending landscape. The new credit score, along with its clearer and more personalised insights, can help consumers to better understand how to improve their credit score and their options when it comes to borrowing, which can be important to helping consumers achieve their financial goals. The next-generation consumer credit score will give consumers a clearer and more detailed view of their credit health, now shown across a wider 0-999 score range. This is more than a new number range, it is a new score incorporating trended data and combining how consumers use credit over time with a moment in time view to provide a more considered picture of how consumers manage credit day to day. The new score also draws on a broader range of data inputs, including how account balances have changed over time and how credit cards are used, to reflect consumer financial behaviour with greater depth and precision.Designed to be even more transparent, inclusive and informative, the new score takes steps to address financial inclusion by better reflecting consumers with little or no credit history, such as those who are new to credit.To support consumers in understanding their credit health and actions consumers can take to improve it, the new score is backed by over 300 practical educational messages, personalised insights and tips tailored to individual circumstances. These insights are designed to improve transparency and to help consumers better understand the factors that can influence their credit profile and the actions they can take to improve it. These can be found in many credit monitoring websites and mobile apps that partner with TransUnion for credit data. Broader information on understanding your credit score can also be found on the TransUnion website.New score bandings, ranging from ‘Very Low’ to ‘Excellent’, are designed to give consumers an even more meaningful view of their financial standing. Table 1: Existing and New Consumer Credit Score Change InformationExisting credit score banding Existing credit score band rangeNew credit score banding New credit score band rangeExcellent 628 - 710 Excellent786 – 999 Good 604 - 627 Good653 – 785 Fair 566 - 603 Fair563 – 652 Poor551 - 565 Low488 – 562 Very Poor0 - 550 Very Low0 – 487 It is important to note that whilst the consumer credit scoring is changing this does not impact lender decisions and the underlying credit information contained within a credit report is not changing. Lenders use a consumer’s credit report alongside their own factors to determine lending decisions. For this reason, consumer’s financial applications will not be impacted by the score change.Madhu Kejriwal, Chief Executive Officer for TransUnion in the UK, said: “At TransUnion, Information for Good is at the heart of what we do, this is a significant step forward in how we support consumers to understand and engage with their credit health. Our next-generation score is clearer, more transparent, informative, and better aligned with how lenders view consumers today. We believe that understanding your credit health is the foundation for confidently making more informed financial decisions. With practical guidance, personalised insights and tailored support, consumers now have the tools to take meaningful action and move toward their financial goals."James Robinson, Managing Director of Consumer Interactive for TransUnion in the UK, commented: “There is still significant confusion among consumers about what credit scores mean, with many believing the score they see is the same one used by lenders. Our new score is designed to minimise this confusion by using a broader range of behaviours over time, rather than a single snapshot. That fuller picture can help people better understand the positive financial behaviours influencing their score, engage more confidently with their credit health, and access the guidance they need to improve it. By combining practical educational tips, helpful guidance and personalised insights, we want to support consumers in taking greater control of their financial health and making more informed decisions with confidence.”Phased Implementation of the Score: What it means for consumersThe new score will roll out across credit monitoring partners on a phased implementation from late September 2026 until June 2027. During the rollout of the new TransUnion credit score, some consumers may temporarily see two different TransUnion credit scores. This will depend on where they access their score and when their chosen provider adopts the new scoring model. Importantly, the information shared with organisations about an individual's credit history will remain unchanged. As a result, the presence of different scores during the transition will not impact or influence lenders' decisions on credit applications.NoYesInfrastructure26 Aug, 2026