The UK's leading score is getting even smarter
More accurate. More transparent.
More ways to grow it.
The new score will be our most accurate yet
More ways to improve
It's packed with practical tips to help you get better credit offers
Easier to understand
See how your score is calculated and what actions really count
Clearer picture
Get a more accurate view of your borrowing potential
A new 1250 score range
The new Experian Credit Score will go from 0 to 1250, giving a better view of where you stand.
It will include more information on your finances, as well as new ways to improve your score. The higher your score, the better your chances of being accepted for credit, and at the best rates.
Excellent
1121 to 1250
You should get the best credit cards, loans and mortgages (but there are no guarantees).
Very Good
1001 to 1120
You should get most credit cards, loans and mortgages (but you might not get the very best deals).
Good
861 to 1000
You should see a wide range of credit cards, loans and mortgages (but you might have to pay a bit more interest).
Fair
641 to 860
You might get limited credit options, higher interest rates, and lower borrowing limits. But our tools can help improve your score. And as it grows, so will your choices.
Low
0 to 640
Borrowing may be difficult and interest rates could be high. But our tools can help get your score moving in the right direction. Every small increase helps, and things should improve as you get closer to a Fair score.
Your questions answered
Why is the Experian Credit Score changing?
The way banks and lenders make decisions has evolved over time. So, our score is evolving too. It will better reflect how you are now managing money and how lenders now assess the information on your credit report.
Will my score change?
Yes, but it will not change how lenders view your applications. It'll simply give you a clearer picture of how they assess the information already on your credit report. You can check your credit report for free on the Experian app.
When will I get my new score?
We'll start a gradual rollout from Autumn 2025. We'll email you when yours is ready to check.
Is this free?
Yes
What if my score goes down?
If this happens, it means we've found areas you can work on that could help you get access to better credit offers. We can help you understand what they are and how to improve.
Can I keep my current score?
No, as your new score will be the most up-to-date view of how lenders are making their decisions.
I'm currently applying for a mortgage - will this change affect my application?
No, the switch to the new score won't affect your current application.
The new score simply gives you a clearer picture of all the information on your credit report that banks and lenders have started using to make decisions.
I'm currently applying for credit - will this change affect my application?
No, the switch to the new score won't affect your current application.
The new score simply gives you a clearer picture of all the information on your credit report that banks and lenders have started using to make decisions.