TransUnion expands credit score range to 0-999

TransUnion announced on 26 August 2026 that it is launching a next-generation consumer credit score, moving from a 0 to 710 range to a maximum of 999¹. The credit reference agency said the new score incorporates trended data, combining how consumers use credit over time with a moment in time view, and draws on a broader range of data inputs including how account balances have changed over time and how credit cards are used¹. MoneySavingExpert reported that the score will also take into account account balance changes, overdraft facility use and withdrawing cash on credit cards².

The new score will roll out across credit monitoring partners on a phased implementation from late September 2026 until June 2027¹. TransUnion said that during the rollout some consumers may temporarily see two different TransUnion credit scores, depending on where they access their score and when their chosen provider adopts the new model¹. MoneySavingExpert reported that users of its Credit Club will not see the new scoring system until at least late October 2026².

Five bands replace the existing five, with two renamed. TransUnion is changing "Poor" and "Very Poor" to "Low" and "Very Low"³. MoneySavingExpert reported that TransUnion says the new language is considered more neutral and less negatively charged².

Existing band	Existing range	New band	New range
Excellent	628 to 710	Excellent	786 to 999
Good	604 to 627	Good	653 to 785
Fair	566 to 603	Fair	563 to 652
Poor	551 to 565	Low	488 to 562
Very Poor	0 to 550	Very Low	0 to 487

Source: TransUnion¹

MoneySavingExpert reported that just over a third (36%) of users will find themselves in a higher scoring band than currently, over half (58%) will remain in the same band, and 6% will move into a lower band².

TransUnion said the change is designed to better reflect consumer behaviours and changes in the lending landscape, and that 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 credit¹. The new score is backed by over 300 practical educational messages, personalised insights and tips tailored to individual circumstances¹.

"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."

TransUnion¹

The move follows a similar change at Experian in November 2025, when its score moved from a maximum of 999 to a maximum of 1,250 and it dropped the "poor" wording from its bands³. Equifax's score is out of 1,000². TransUnion is one of the UK's three main credit reference agencies, alongside Experian and Equifax².

Why it matters for households

The number people see when they check their TransUnion score through a bank, app or credit monitoring service will change, and the band label attached to it may change too. Because providers adopt the new model at different points between late September 2026 and June 2027, the same person may see two different TransUnion scores at the same time depending on where they look¹. MoneySavingExpert reported that 6% of users will move into a lower band and 36% into a higher one, with 58% unchanged².

TransUnion said the information shared with organisations about an individual's credit history will remain unchanged, and that the presence of different scores during the transition will not impact or influence lenders' decisions on credit applications¹. Lenders use a consumer's credit report alongside their own factors to determine lending decisions¹. MoneySavingExpert noted that the score a lender sees is not necessarily the score a consumer sees, and that the underlying credit report data is what lenders generally use².

Consumers can check their credit score ranges at Experian, Equifax and TransUnion to see how the three agencies' scales differ, and read what a credit score is and how it works. TransUnion's own guidance says consumers will start to see the new score appearing from September 2026, and that not all providers are changing at the same time⁴. The agency also states that a statutory credit report does not include a credit score, which is a separate service⁴.

What happens next

The phased rollout runs from late September 2026 until June 2027¹. MoneySavingExpert reported that its Credit Club users will not see the new scoring system until at least late October 2026². TransUnion has not reported a single date on which all partners will have moved to the new score.

Sources4 cited