• 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 adviFew readers

• How often is my credit report updated?

  | The credit report and score are only available to UK-based customers. Your credit report refreshes monthly. New information comes in every 4–6 weeks from sources such as banks, building societies, credit card providers, courts, local authorities, and utility and telecoms companies. || Your credit report and score are provided by TransUnion and are for guidance only. Emma does not provide financial advice.Few readers

• What is a credit report?

  A credit report is a record of your credit history, built from information held by sources such as banks, building societies, local authorities, and courts. If you're over 18 and have a bank account, or have ever taken out a loan, credit card, or mobile phone contract, you'll most likely have one. Reports are used for things like responsible lending and fraud prevention, so it's worth checking yours regularly to stay on top of your financial health.Few readers

• How do I find my credit report?

  | The credit report and score are only available to UK-based customers. Tap the Credit tab on the bottom navigation bar in Emma to view your credit report. || Your credit report and score are provided by TransUnion and are for guidance only. Emma does not provide financial advice.Few readers

• 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 fFew readers

• What will I see on my credit report?

  | The credit report and score are only available to UK-based customers. Your credit report brings together several types of information about your financial history: Financial account information from the last 6 years, including open and closed accounts Whether you're registered on the Electoral Register at your current address Financial connections to other addresses, previous names, or people you share a financial product with (such as a joint mortgage) Legal and court records, suchFew readers

• What can affect my credit score?

  | The credit report and score are only available to UK-based customers. Several things can raise or lower your credit score, with how you manage your financial accounts having the biggest impact. The main factors are: How you manage your accounts — paying on time, staying well within your credit limits, how long you've held accounts, and whether any are in default Being on the Electoral Register — this shows a stable address history Court records — judgments, bankruptcies, anFew readers

• How do I hide my credit report?

  | The credit report and score are only available to UK-based customers. To hide your credit report, remove the Credit tab from your app layout: Go to the Feed (main dashboard) Select your profile in the top left corner Tap the settings icon (cog wheel) in the top right corner Tap Preferences Tap Organise your experience Tap Feed or Bottom bar at the top of the page Tap the plus or minus button to add or remove tabs || Your credit reportFew readers