Credit reference agency TransUnion is updating its credit scoring system, expanding the maximum score from 710 to 999. The company states the change is intended to "better reflect consumer behaviours and changes in the lending landscape."
The revised system will incorporate a wider array of information, including how account balances fluctuate over time and an individual's credit card usage. TransUnion also plans to update the names of two credit score categories, changing 'Poor' and 'Very Poor' to 'Low' and 'Very Low'.
The new scores will be introduced across credit monitoring partners in phases, beginning in late September 2026 and continuing until June 2027. During this period, consumers may temporarily see two different TransUnion credit scores depending on where they access their information.
TransUnion has confirmed that the information shared with organisations about credit history will remain unchanged. Lenders use a consumer's credit report alongside their own factors to make lending decisions, meaning the rollout of the new scoring system will not affect current credit application decisions.