UK credit scores: should you worry about a big shake-up?
Your credit score hellps determine whether or not you can borrow cash, including for mortgages. Photograph: Ascannio/AlamyView image in fullscreenYour credit score hellps determine whether or not you can borrow cash, including for mortgages. Each CRA has its own system: the other two main ones in the UK are Equifax and Experian.
- ▪Your credit score hellps determine whether or not you can borrow cash, including for mortgages.
- ▪Photograph: Ascannio/AlamyView image in fullscreenYour credit score hellps determine whether or not you can borrow cash, including for mortgages.
- ▪Each CRA has its own system: the other two main ones in the UK are Equifax and Experian.
The Guardian — UK publishes from United Kingdom and files mainly under news. We currently carry 368 of its stories.
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| Original publisher | The Guardian — UK |
| Canonical URL | https://www.theguardian.com/money/2026/sep/14/uk-credit-scores-debt-rules |
| Publication time | Mon, 14 Sep 2026 06:00:24 GMT |
| Retrieval time | 2026-09-14T06:16:51.448Z |
| Last seen | 2026-09-14T06:16:51.448Z |
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Your credit score hellps determine whether or not you can borrow cash, including for mortgages. Photograph: Ascannio/AlamyView image in fullscreenYour credit score hellps determine whether or not you can borrow cash, including for mortgages. Photograph: Ascannio/AlamyBorrowing & debtUK credit scores: should you worry about a big shake-up?Your rating is vital when taking on debt, but you could be in for a surprise as a big player changes its rulesZoe WoodMon 14 Sep 2026 02.00 EDTSharePrefer the Guardian on GoogleYour credit score is the magic number that helps lenders decide whether or not to approve a mortgage, loan or credit card application.Typically, the higher the number, the better your borrowing prospects.
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Excerpt limited to ~120 words for fair-use compliance. The full article is at The Guardian — UK.
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