At ClearScore, our mission is to help everyone achieve financial well-being.
We began by giving everyone access to their credit score and report, for free, forever. Checking your credit score and report regularly is an easy way to spot signs of identity fraud early on. But with identity fraud reaching record highs, we want to make sure everyone’s identity is better protected.
So we created ClearScore Protect, a free dark web monitoring service for all ClearScore users. We’ve teamed up with cyber-security experts who scan the dark web for stolen data. When they find stolen passwords, they save them into a secure external database far from the dark web. ClearScore then searches these records securely and privately for your passwords so that you can act fast, change your passwords and protect your identity.
Discover ClearScore Protect:today.
How does ClearScore Protect work?
We’ve partnered with a team of cyber security experts who have been investigating the use of the internet by criminals for over 20 years. They monitor thousands of criminal forums, websites and chatrooms to search for stolen data, and save it into a secure database.
Every three months, ClearScore scans over 40 billion records in this secure database for stolen passwords associated with your registered email address. For example, if you registered for ClearScore using your gmail account, we’ll search for any stolen password related to this email address.
If we find any stolen passwords, we’ll tell you. And when we know, we’ll tell you which account this password was used for. This means you can easily go and change your passwords to make sure they’re secure.
You’ll also get detailed security recommendations and actions to protect your online identity.
What is the dark web, and why should I care?
Criminals use the dark web to buy and sell illegal goods, such as drugs, weapons, and personal information.
Dark web marketplaces sell all sorts of personal information, such as names, addresses and login details to banking apps. If a fraudster buys your personal details, they could commit fraud. They might open a credit card or loan in your name, run up large debts, or damage your credit score.
The impact can be devastating, and takes a lot of time and money to fix.
Using a dark web monitor is a great way of checking whether any of your data on the dark web, so that you can secure your accounts before any damage is done.
Why am I at risk?
With identity fraud cases reaching record highs last year, protecting your information is more important now than ever. CIFAS estimates that 500 identities are stolen in the UK every day.
Does ClearScore scan the dark web?
No. We work with a team of cyber security researchers who scan the dark web securely and privately without revealing any of your data. If they find information being traded on the dark web, they save it to a secure database.
ClearScore then searches this database to see if your passwords have been leaked on the dark web, and alerts you if they have.
Is it safe?
Yes. We take great care in making sure your data is always completely safe. We scan the dark web securely and privately without revealing any of your data to third parties or the dark web.
Does ClearScore store my passwords?
No. ClearScore never stores your passwords in full.
We search a secure database for your email address, to see if any passwords related to this email address are available on the dark web. If your passwords are available, we receive them in a partially starred out format so that we can inform you.
Do you send my data to the dark web?
No. Because ClearScore never accesses the dark web ourselves, we cannot pass your data to the dark web.
Is ClearScore closer to criminals? Will using ClearScore put me at more risk?
No. Because of the way ClearScore Protect works, we never access the dark web ourselves. We simply tell you if your data is on the dark web, empowering you to take positive action to reduce the risk of you or your family becoming a victim of identity fraud.
Can ClearScore remove my data from the dark web?
Unfortunately not. Once information gets on the dark web, it can’t be removed. However, our goal is to empower you to take action once you know if your data has been breached.
How often does ClearScore scan the database?
We'll scan the database once every three months for your registered ClearScore email address. If we find anything, we'll let you know.
If you want daily scans, you can subscribe to. This daily scanning costs us more, so we charge a small fee of £2.99 per month for this service.
What does it mean if I have a stolen password?
If you have a stolen password, this means your password is available on the dark web for criminals to buy, sell or use.
Criminals will often use your password to log into your accounts to steal more information, which they can use to commit fraud. Common types of fraud include buying goods and services, or taking out a credit card or loan in your name.
Bear in mind that if your password is available on the dark web, this doesn’t necessarily mean that a criminal has successfully hacked into your accounts - but it’s highly likely they’ve tried. It’s important to change your password as soon as possible to keep your information safe.
I have a stolen password - what do I do?
ClearScore Protect will guide you through your next steps if you have one or more stolen passwords.
Why is ClearScore offering this service for free?
At ClearScore, our mission is to help everyone achieve financial well-being. When we started ClearScore in 2015, we were the first company in the UK to offer completely free access to your credit report and score.
A great benefit of being able to check your credit report and score regularly is that you can keep an eye out for signs of identity fraud. If you spot credit application searches or new accounts that you don’t recognise on your report, you can take action early. In fact, millions of ClearScore customers use us for this purpose.
But with the number of data breaches and hacks increasing, we want to ensure our users kept their identity protected. Scanning the dark web is a great way to securely and privately see whether any of your personal information such as passwords have been stolen.
How does ClearScore make money?
Every ClearScore user gets a free scan of the dark web every three months. Given how often the data changes and the number of hacks and breaches, that’s about the right frequency for most people.
However, we are also offering an enhanced service called, which runs the scan every day for extra peace of mind. This enhanced service costs £2.99 per month.
What is ClearScore Protect Realtime?
is an enhanced version of ClearScore Protect. With Protect Realtime, we’ll scan the database every day for your information.
We’ll also search for more of your personal information: not only your passwords but your address, name, phone numbers, national insurance number and driving licence. And we’ll protect two additional email addresses.
As well as more monitoring, you’ll get personalised fraud support if you do become a victim of identity fraud. We’ll also give you the option to register for a protective registration with CIFAS, which adds additional checks to your credit report, for free (it’s normally £25).
This daily scanning costs us more, and so we charge a small fee of £2.99 a month for this added peace of mind. You can cancel any time.
Can I opt out of ClearScore Protect?
Yes. You can opt out of ClearScore Protect in “My Account”.