2 min read

Christiana's ClearScore story

Hannah Salih
21 December 2017

ClearScore user Christiana shares her story about how she used ClearScore to get her credit score off the ground and get closer to her goal of buying her first home. Over to her...

When I first went to university I definitely struggled with my money, and I found myself frequently tipping over into my overdraft. But after graduating I made the decision to try and be a bit better with my money. I'd set my sights on getting out of the 'rental trap' and onto the property ladder. It would be amazing to buy my first home and really start my life with my boyfriend.

When I signed up for ClearScore I discovered that I had a 'thin file'. This meant that I didn't have much credit history. Although I had a mobile phone contract, I didn't have any credit cards or other products that would help lenders to better understand how reliable a borrower you are. I discovered through ClearScore that this can make it tricky to get credit and often leaves you with a pretty low score compared with the average.

One of the most useful things about ClearScore is their tailored Coaching plans which provided an easy and fun way to better get to grips with my finances and improve my score. I took out a credit card which I pay off each month and it's slowly but surely pushed my credit score up. In fact, I'm up by over 50 points which has been so amazing to see!

ClearScore has really helped me to keep track of where I am and that should hopefully help me in the long run to get that mortgage and that home of my own that I've always dreamed of.

VIDEO: Hear more from Christiana (1min 18secs)

by Hannah Salih

Hannah reads all the finance info on the web so you don't have to. She knows all there is to know about your finances but still spends all her money on brunch. 

ClearScore exists to make your finances simple.
We offer a free service where you can handle everything to do with credit in one place. In your ClearScore account, you can see your credit score and the full details of your credit report. Your credit cards, mortgages, mobile phone contracts, loans, overdrafts and utilities all on the record. Our goal is to make ClearScore as simple, calm and straightforward as possible. Money is stressful enough.