TransUnion Unveils Next-Generation UK Consumer Credit Score

TransUnion, one of Britain’s leading credit reference agencies, is revamping its consumer score as borrowing patterns and the lending market evolve. The model goes beyond a single snapshot by using trended data, including changes in account balances and credit-card use, to give consumers a fuller view of their financial behaviour. It is also intended to better represent people with little or no credit history. Lenders will still assess applicants using credit reports alongside their own underwriting criteria.

TransUnion announced the new score on Aug. 26, 2026, expanding its scale to 0–999 from 0–710 and replacing the lowest “Very Poor” category with “Very Low.” An “Excellent” rating will cover 786–999, while the system will offer more than 300 personalised educational messages, insights and tips. The phased rollout through credit-monitoring partners will begin in late September 2026 and run until June 2027. Consumers may temporarily see two scores, but TransUnion said underlying credit-report data and lending decisions will not be affected.