ClearScore

ClearScore: free credit checks and offer comparison in the UK

ClearScore is a British app that lets you check your credit score and report for free, as well as compare and apply for financial products. The company presents itself as the UK's number one credit score and report app, with nearly 16 million users, and states that the service is free forever. It is not a lender, but a credit broker: it earns a commission when the user takes out a product, but assures that it never ranks offers based on that commission.

Checking your credit score and report

The main service consists of accessing your credit score and report at no cost and without affecting your score. The platform allows you to check them as often as you like. It includes the Credit Health feature, which shows how your credit score, report and credit history influence how lenders see you, and offers an overview of your borrowing through a single number that breaks down what you owe on loans and credit cards, along with a timeline of changes.

Personalised offers and comparison

ClearScore lets you search, compare and apply for credit cards, loans and car finance all in one place. The offers are powered by over 90 industry-leading lenders and some are presented under the Triple Lock Guarantee, which offers pre-approval. The company warns that pre-approval does not guarantee acceptance and is subject to lenders' credit checks. It also includes a repayment simulator that lets you adjust the amounts to estimate your debt payoff date.

Analysis and protection tools

The app includes Caisey, an AI-powered assistant that creates a snapshot of your credit report and answers questions about your score and report. In addition, the subscription gives automatic access to Protect, a service that looks for stolen passwords associated with the user's email address and alerts about possible identity fraud.

Corporate and regulatory information

Clear Score Technology Ltd. is registered in England and Wales with company number 09221862, and has ICO registration ZA100119 and VAT number 255 8953 58. It is authorised and regulated by the Financial Conduct Authority (FRN: 654446). The company is headquartered at Vox Studios, VG 203, 1-45 Durham Street, London, SE11 5JH, United Kingdom, and states that the product is designed in London. It also operates in Australia, New Zealand, South Africa and Canada.

Location and contact

Vox Studios, VG 203 1-45 Durham Street London, SE11 5JH, UK