The UK's leading score is now even smarter
More accurate. More transparent.
More ways to grow it.
Our most accurate score 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 Experian Credit Score now goes from 0 to 1250, giving a better view of where you stand.
It includes 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
New score explained
The way banks and lenders make decisions has evolved over time. So, our score is evolving too. It better reflects how you are now managing money and the latest things lenders are considering.
The old score range went from 0 to 999. It now goes from 0 to 1250. This means we can give you a much clearer picture of your creditworthiness and how to improve it.
We'll start a gradual rollout from Autumn 2025. We'll email you when yours is ready to check.
We're giving everyone a score that better reflects how lenders assess credit applications today.
Banks and lenders are now looking at new data when making decisions, such as rent, overdrafts, and mortgage overpayments. This data is now reflected in the new Experian Credit Score, giving you the best view of how lenders are assessing the information on your credit report.
The score has been expanded to give you a clearer picture of the new information that banks and lenders now use to make decisions. Things like rent, overdrafts, and mortgage overpayments.
This will help you better understand how lenders assess the information on your credit report. It will also show any new ways you might be able to improve.
When you apply for credit, lenders usually look at three key things:
- your credit report
- your application form (including your income and expenditure)
- their own records (if you've been their customer)
They use all this information to decide whether to approve your application or not.
Your new score looks at more information on your credit report including rent, mortgage overpayments, and how you manage any overdrafts.
This now means more opportunities to grow your score.
We've created a new tool that shows the key factors that make up your score, as well as what can help and what can harm it. Login to find out more.
No – our new score is the most up-to-date view of how lenders are making decisions.
It puts you in the best position to understand your borrowing potential and how to improve it, helping you get the credit you need at the best rates.
Yes, the Experian Credit Score is free forever.
You may continue to see your older Experian Credit Score – that goes from 0 to 999 – on your banking app.
The new score is currently only available directly through Experian.
This provides the most up-to-date view of how lenders view your Experian Credit Report and make credit decisions.
How it impacts me
Not at all. In fact, if you had a 999 score before, it's unlikely you'll have a 1250 score now. This is because your new score includes new information that lenders have started using.
This means more room for improvement and a clearer picture of your credit chances.
It's also helpful to look at your score band as it can be more useful than the exact number. For example, if you're in the Excellent band, you're still in a great spot to get the best deals – even if your score isn't 1250.
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 already started using to make decisions.
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. Banks and lenders have already started using this information to make decisions.
Our new score breakdown tool helps you understand the different areas that make up your score. You can check your Experian Credit Report to see how you're doing in these areas for free in our app.
Our guide on how to improve your score has plenty of information on how you get it heading in the right direction.
CreditExpert also offers personalised guidance on exactly what actions you can take to improve your score.
Your new score includes more ways to help you secure the best credit options.
Our guide on how to improve your score has plenty of information on how you get it heading in the right direction.
If you're a CreditExpert customer, you can see what's impacting your score and personalised actions to improve it.
We understand it can be unsettling to see your score band drop. This is because we've updated the score calculation to more closely reflect how lenders assess your credit report today. While your score band may have changed, this update gives you a better view of what matters most to lenders, and how you can improve. We're here to help:
- Our new score breakdown tool shows the key areas that make up your score
- You can check your Experian Credit Report for free in our app to see how you're doing in each area
- Our guide on improving your score offers practical tips to help get your score where you want it
- CreditExpert provides personalised actions you can take to improve your score
Your new score simply gives you a clearer picture of how lenders now assess your credit report. It won't change the information lenders are seeing when they look at your report.
Not all landlords report this data to Experian, but there are things you can do to get this included in your credit score. Services such as Credit Ladder, Canopy, Wollit, Emma and Uplift Money can enable you to add your rental data to your credit report. For more information, we have an article on this.