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What Is a Credit Score?     

Your credit score is a number that reflects how you manage credit. Based on the information in your credit report and your borrowing history, it gives an indication of how lenders may view your creditworthiness — in other words, how likely they think you are to repay money you borrow.

Score vs. Report: What's the Difference?

Your Credit Report

Explore credit reports

  • A factual record of your credit
    history

  • Compiled by TransUnion from multiple sources, such as banks, lenders, and public records

  • Access it and monitor changes
    through our partners

Your Credit Score

Discover your new score

  • A number indicating how lenders may view your creditworthiness

  • Calculated by TransUnion from the information in your credit report

  • It now better reflects how you
    manage credit over time

What Your Score Can’t Tell You

Credit Reference Agencies (CRA) score differently

Each CRA has its own method of calculating a credit score. The TransUnion’s consumer score ranges from 0 to 999, while other CRAs may use a different scoring system and maximum score.

Lenders Decide, Not Scores

Lenders use your credit report and their own rules and criteria when deciding whether or not to lend to you. A good score never guarantees approval.

Checking is Always Safe

Looking at your own score or report never harms it.

Remember, a high credit score doesn’t guarantee you’ll be accepted for every product you apply for, and a lower score doesn’t necessarily mean you’ll be turned down. The final decision is up to the financial product provider.

credit score

Your New Credit Score Is Here

  •  A fuller picture of your financial behaviour
  •  More support to help you  improve your score
  •  Designed to be transparent and more inclusive
Discover the new score

How to See Your TransUnion Score

Through Our Partners

TransUnion in the UK doesn’t provide credit scores directly to consumers. Instead, we partner with 50+ businesses, such as banks, lenders and comparison sites, that deliver these services to you. We power the consumer credit score data, tools and insights.

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Already Got It?

Check your financial provider apps and logins, including banks, lenders and credit health providers — you might already have access to your TransUnion Credit Score.

A statutory credit report does not include a credit score - here’s why.

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