TransUnion Overhauls Credit Scoring System: Key Changes Explained

TransUnion updates credit scoring system in September 2026. Learn what's changing and how it affects consumers.

September 11, 2026 One Min Read

POLICY WIRE — London, United Kingdom — TransUnion has announced a major transformation of its credit scoring model, aiming to improve clarity, transparency, and the usefulness of credit ratings for consumers.

The new system will expand the credit score range from 0 to 710 to a maximum of 999, offering a more detailed view of consumer creditworthiness. The update will also introduce new bands that better distinguish between individuals with limited or no credit history and those with poor credit records.

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According to the company, the revised scoring method will consider a wider array of data points, including shifts in account balances and credit card usage patterns. The changes are set to take effect in late September 2026, with some consumers potentially seeing their scores change as a result of the updated methodology.

Reporting by Policy-Wire (PW)

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