> ## 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).

# Why is my score different from other credit scores?

| The credit report and score are only available to UK-based customers.

Each UK Credit Reference Agency calculates scores in its own way, using the information it holds about you, so your score can vary from one to another. 

The score in Emma is TransUnion's view of your credit history — it's a guide to how lenders might see you, but every lender applies its own criteria.

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