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How do we get your credit report? Everything you need to know about Equifax

ClearScore explains their relationship with their partner, Equifax.

Some of our most frequently asked questions relate to our partner, Equifax. We thought we’d shed some light on who they are and how we work with them.

What’s the difference between ClearScore and Equifax?

Equifax is a credit reference agency. It’s one of three agencies in the UK that is licensed to collect information about your borrowing habits, and put it into a credit report. When you apply for credit, you give lenders permission to check your credit report. This helps them decide whether to lend to you.

The other two credit reference agencies in the UK are Experian and Callcredit.

ClearScore is not a credit reference agency itself: it gives you access to your Equifax data. We do this for free, because we don’t think people should have to pay to access their own information.

Can ClearScore change the information on my report?

Because ClearScore pulls your data directly from Equifax, we can’t change it ourselves. We simply show you the information they currently hold about you.

So how do I change information on my report?

If there is a mistake on your report, you can tell Equifax using our official disputes process. Equifax will then look into your dispute, and will contact you once they have a resolution. This can take up to 28 days, but it’s usually much quicker.

You can log in to your Equifax support account to track the progress and outcome of your dispute. Your login details will be emailed to you by Equifax when you raise a dispute through our website.

If you need any help with your dispute you can contact our customer services team using our Ask a Question form.

Can lenders see my ClearScore account?

Lenders can’t see your ClearScore account directly. However, your ClearScore account uses Equifax data, which lenders do look at.

For example, lenders can’t see the ‘positive’ and ‘negative’ factors in your ClearScore account in the exact way we have written them. When you apply for credit, lenders will look at your Equifax data rather than how it appears in your ClearScore.

Bear in mind that your credit report is only one factor in a lender’s decision. They also look at the information on your application (e.g. job, salary, whether you’re a home owner) and any past dealings you’ve had with them.

So, to sum it all up:

  • Equifax is a credit reference agency. ClearScore gets your report directly from Equifax.
  • ClearScore can’t change the information on your report itself: it has to be changed by Equifax. You can tell Equifax what’s wrong using our official disputes process.
  • Lenders can’t see your ClearScore account directly. They can only look at your Equifax data.
 

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