We aim to help you take control over your own finances by helping you to access your credit report and credit score from Credit Reference Agencies. We let you do this free of charge. If you want to read up on what credit scores, credit reports and Credit Reference Agencies are, how they work and ways to improve your credit score, you can do that here.
We get this information from Credit Reference Agencies once a month on your behalf acting as your authorised agent and representative. That means that we procure this information on your behalf, as you could. By using our services you agree that we and credit reference agencies shall be entitled to rely on this authorisation and agency granted by you.
Presenting a credit report and credit score is subject to you passing appropriate identity authentication for security purposes. We’ll try to assist you if you fail the process, but we do not have to notify you of the reasons why it was not successful.
This information is procured through ‘soft searching’ your credit records.
When you click to search for credit offers on our website, we or our service providers will record a ‘soft credit search’ on your credit file, but this record will be invisible to other lenders. This means the soft search will not affect a lender’s decision whether or not to lend to you and it won’t affect your credit score.
You can opt out of soft searching if you want to by going on the ‘My Account’ section. But if you do opt out of this, we will not be able to show you offers that are specifically targeted to you and will only be able to show you generic ones, which may be less suited to your financial circumstances.
More information about the differences between a hard and soft credit search can be found here. If you decide to apply for a financial product, including one which you have seen on our website, the lender will usually conduct a hard credit search before accepting your application. Hard searches normally stay on your credit record for 12 months after the search is performed. Having multiple hard searches performed on your credit report may affect a financial service provider’s decision of whether to lend to you.
- As part of verifying your identity, we will carry out an authentication search against your credit information. This search will be carried out once at the time you register for our services
- Whilst you remain an active user of our services, we (or our third party service providers) will carry out searches against your credit information and, where applicable, your financial associates’ credit information in order to provide you with your credit score, credit report and relevant products.
We will hold your details and records on our systems and make this credit information available to you through our website. If there has been a relevant change or addition to information in your credit score or credit report, we may notify you by sending you an email.
We will undertake analysis and profiling of your credit information and, where applicable, your financial associates' credit information (and any other information provided by you or on your behalf). We may also make tools available to you so you can do this yourself. This is to assist you in being better informed about, understand and manage your credit position, and in order to identify and inform you of credit products that are likely to be suited to your circumstances or which we collect about you through our website, apps and your mobile devices. We will use your credit information and any other data you provide or make available to us for the purposes set out in these Terms, including our Privacy Notice.
We may also use your information (and, where applicable, that of your financial associates) to identify whether you may benefit from additional guidance concerning your credit score and steps you can take to improve your score.
You will only receive monthly updates to your credit score and credit report while you remain an active user of our services. If you do not log in to your account for more than 364 days, we will no longer consider you an active user and shall be entitled to stop providing you with monthly updates and close and delete your account. Before we delete your account we will send you an email to alert you of our intention to do so. If we delete your account, we may keep records or data relating to you in accordance with our Privacy Notice.
If you would prefer not to share your information with such third party service providers, you can opt out of this at any time here. But if you do opt out of this, we will not be able to show you offers that are specifically targeted to you and will only be able to show you generic ones, which may be less suited to your financial circumstances.
If you want us to, we’ll use this information to match you with tailored offers for credit and financial products. The offers won’t be from us, they’ll be from other financial services providers and you don’t have to accept these. We aim to present only economically advantageous products that you have a strong likelihood of being accepted for based on the merits of the product and your profile. Some might save you money, others might not. The key thing to remember is that you need to make your own decision about whether any offers are right for you. We don’t have all the information about you or your individual financial situation and we are not providing you with financial advice.
Third party lenders will use their own criteria in making decisions about you. Any decisions you make on the basis of your credit score or credit report, or any other information we provide or make available to you, are purely your own choice.
Please ensure that you have fully read and understand any relevant information, such as the credit provider's terms and conditions, which provide full details of the risks involved with any decision you make. You may wish to consider obtaining professional or specialist advice before taking, or refraining from taking, any action on the basis of the content on our website or any other information we provide or make available to you.
ClearScore offers a price comparison service that can be used to find out whether you could save money on some types of insurance, or on a range of other services or products.
You may only use our service if you wish to find competitive prices for a product or service on your own behalf.
In order to get a quote through our price comparison service, you will need to answer some questions on our site needed by all the different product or service providers and any intermediaries they may use. The answers you give will determine the products or services available to you and the amount you will pay. You must get permission from any other people whose details you propose to use in requesting a quote. If you submit another person's details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.
You are solely responsible for ensuring that all information you provide us with is true, accurate and complete and you agree to the assumptions we make. If you do not provide accurate information this could lead to your selected product being invalid and claims may not be paid. You agree that we cannot be held responsible if your selected product is invalid as a result of you providing incorrect information, to us or your selected provider.
As we work with a large number of providers it is important that you read the provider’s terms and conditions, and that you read all documents issued to you by your selected provider and ensure that you are aware of any levels of cover, financial limits and any other terms that apply. If any information is not correct, it is your responsibility to identify the mistake and correct this with the provider directly.
Companies change their prices and amend their rates on a regular basis. Any price quoted to you will be accurate at the time of issue, and may change if your quote is resubmitted.