Experian UK&I Launches Smarter Credit Score to Give Consumers Sharper Insight and More Ways to Improve
By Lauren Towner · 3 November 2025

Experian UK&I is introducing a new and improved credit score that better reflects how credit applications are assessed, giving people a clearer picture of their borrowing potential and more ways to improve their score. The updated score includes new data, such as rental payments, taking into account more of the positive financial behaviours people demonstrate in their everyday lives that banks and lenders are now using.
The score range has been expanded from 0–999 to 0–1250, allowing for a more granular breakdown of financial behaviour. This change helps users understand how banks and lenders interpret their credit report and what actions can positively impact their score. The new model recognises behaviours that banks and lenders increasingly value - such as reducing overdraft use, avoiding credit card cash advances, and making regular payments on rent and phone contracts.
As part of the new offering, Experian will give people clearer insight into what affects their score and how much of an impact different financial habits have – this transparency will make it easier for people to take action and improve financial outcomes. These changes are helpful for anyone looking to improve their score and are also particularly helpful for those with a limited history of using credit, helping support better financial inclusion.
Importantly, the new score will not affect someone’s ability to get credit. Eligibility for things like mortgages, loans, or credit cards remains the same. The updated score simply provides a more detailed view of people’s financial track record and the new information that banks and lenders have started using, offering new ways to strengthen it over time.
When people make an application, a lender will usually look at three key things:
- Affordability – this includes the information on their application form, including income, employment status and expenditure
- Their credit report & score – how they’ve managed credit in the last six years
- The lender’s own records – if they’ve been a customer with that lender before
Companies in this story: Experian
People in this story: Eduardo Castro