> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.emma-app.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# What is a credit score?

| Credit Score is only available to UK-based customers.

Your credit score is TransUnion's assessment of your credit history, based on their own calculations. It gives you an idea of how a lender might view your credit history when you apply for credit. 

Lenders each use their own scoring criteria, so the score you see in Emma is a guide rather than a guarantee of any lending decision.

|| Your credit report and score are provided by TransUnion and are for guidance only. Emma does not provide financial advice.