You are using an outdated version of Internet Explorer. It has known security flaws, this website and others will not display correctly and many features will not work. Learn how to update your browser.

Learn everything

Finances can be confusing. That's why we've created Learn - so you can get clear on your credit report and score. It's got all the information you need, all in one place.

The basics

Everything you need to know about credit reports and ClearScore. Explained clearly.

Welcome to ClearScore

Why is ClearScore free?

Why your score matters

Savings calculator

Lenders reserve their best rates for those with the highest credit score. Find out how improving your score could reduce the cost of your credit card and give you more choice.

Your current score




Your score goal




You could save £365* a year
Current Goal
Average interest rate
Annual cost
Credit cards available


The Savings Calculator assumes:

  • National average household credit card debt is £2325 (according to The Money Charity, July 2015)
  • Household pays off the minimum each month over a ‘lifetime’ period of 50 years
  • Fair and Good APR% is assumed based on mid-points between typical rates offered to Poor and Excellent scores (see below)

Defaqto data: (September 2015)

Av. APR rate offered to Poor credit score = 36.5%

Av. APR rate offered to Excellent credit score = 20%

Boost your score - step by step

Good things come in small packages. Each tip takes no longer than 20 seconds to watch, and no longer than a day to tick off your list.

More videos

Actively manage your score

Build your score

Fix mistakes on your report

Get on the Electoral Roll

Get organised

Keep your credit utilisation low

Look out for fraud

Actively manage your score

Helpful articles

We update our blog as and when we have news that we think you might find interesting. Go on, have a browse.

More articles

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

ClearScore explains their relationship with their partner, Equifax.

Don’t get left off the electoral roll! Why it matters to your finances

800, 000 people slipped off the register when the law changed last year, and young people are most affected

Are you worried about debt? Help is at hand

ClearScore teams up with the Debt Advice Foundation to bring you step-by-step advice for dealing with debt worries

Mini guides

Quick and simple guides to credit, credit reports and how to boost your score.

ClearScore mini guide

Know your score

A credit score is a three-digit number that helps lenders decide whether to give you credit. One way of thinking about it is to see it as a measure of risk to the lender.

Read on

ClearScore mini guide

Improve your score

A higher score generally means that your application is more likely to be accepted. However, most people don't realise that it also means you may be eligible to better interest rates and better deals.

Read on

Useful links

These guys are worth adding to your favourites. And your Christmas card list.