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.
Updated on: 04/08/2026
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