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What is a credit score?

Your credit score is a number out of 1000. It’s based on your credit report, which is a record of how you’ve managed credit in the past. We give you both of these for free, making it as easy as possible for you to start improving it.

How can my credit score help me?

The higher your credit score, the more likely you are to be eligible for a credit card or loan. You could even get lower interest rates after improving it. Make the most out of ClearScore with three simple steps:

  • See your credit score for free

  • Find out how to improve it

  • Apply for offers tailored to you

Check your credit score for free

Get your credit score and credit report, for free, forever

Find out how likely you are to be accepted for credit in seconds. Build your credit confidence and get a wider range of deals, all through ClearScore.

Improve your credit score and get personalised deals

Find out how to improve your credit score

When we share your report with you, you’ll get clear, personalised insights about your credit score and how you can improve it. An improved credit score could get you a greater range of deals with lower rates.

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Apply for cards and loans that are right for you

We find new and exclusive offers tailored to you, for free. After you get your credit score, you can look for credit cards, loans and more from trusted brands.

How does it all work?

How does ClearScore work?

At ClearScore, we’re on a mission to help you get on in life by making finance clearer, calmer and easier to understand.
We give 14 million people across the world free access to their credit score and report using Experian, a credit reporting agency with a score range of 0 to 1000.
We also know taking out credit can be confusing. That’s why we personalise our offers, making credit decisions a little easier for you. It’s worth knowing that we sometimes make money when you apply for a card or loan with us.
We order your offers based on how relevant they are for you, never on how much we’re paid. With ClearScore there are no time-limited trials or hidden costs. Your score and report are free, forever.

Why should I check my credit score?

Checking your credit score means you can take steps to improve it. This means you’re more likely to be accepted for your next credit card or loan and get a wider range of deals. But there are two other great benefits to checking your score. You can:

  • Correct mistakes on your report
    Sometimes credit reference agencies have wrong information about you, which can harm your credit score. Easily fix any mistakes so you’re in the best position when you apply for credit.

  • Make sure nobody has stolen your identity.
    Your report shows you if any fraudsters have opened up cards or loans in your name. If they have, you can contact your lenders and the authorities.

How is my credit score calculated?

Your credit score is based on what’s in your credit report: a record of how you’ve handled credit up until now, as well as other factors.
If your report shows you’ve managed your credit well, for example, you're on time and not missing payments, your credit score is likely to be high.
If it shows you’ve made late payments, defaulted, or applied for a lot of credit in a short amount of time, your credit score might be lower.

Improve your access to credit in three simple steps

1. See your credit score and credit report for free

Enter your email address to sign up and see your credit score and report.

2. Find out how to improve your credit score

Use our clear, easy insights to find out what you can do to improve your score.

3. Apply for offers that are right for you

See your eligibility for cards and apply with confidence.