Experian公司在2025年11月更新其联合王国信用评分系统,以包括租金和其他付款、提高准确度和用户经验。 Experian is updating its UK credit scoring system in November 2025 to include rental and other payments, improving accuracy and user experience.

Experian正在对其2025年11月开始的英国信用评分系统进行彻底改革,将租金付款和其他财务行为,如移动电话合同付款和抵押贷款超额支付作为第一次计分。 Experian is overhauling its UK credit scoring system starting November 2025, introducing rental payments and other financial behaviors like mobile phone contract payments and mortgage overpayments into score calculations for the first time. 更新的目的是对信誉提供更准确和个性化的看法,取代 " 贫穷 " 和 " 非常贫穷 " 等术语,并去除红色以减少用户的困扰。 The update aims to provide a more accurate, personalized view of creditworthiness, replacing terms like “poor” and “very poor” and removing red coloring to reduce user distress. 虽然42%的用户的得分可能有所改善,但44%的用户可能下降一个段幅,14%保持不变,贷款、抵押贷款和卡片的信用资格不会受到影响。 While 42% of users may see score improvements, 44% could drop a band, and 14% remain unchanged, credit eligibility for loans, mortgages, and cards will not be affected. 新系统将在年终前自动向所有联合王国客户推出,通过免费和付费服务向客户开放。 The new system will roll out automatically to all UK customers by year-end, accessible via free and paid services.