{"id":328803,"date":"2020-08-21T14:07:57","date_gmt":"2020-08-21T13:07:57","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=328803"},"modified":"2026-09-03T23:26:42","modified_gmt":"2026-09-03T22:26:42","slug":"clearscore","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-score\/clearscore","title":{"rendered":"ClearScore credit score and report 2026"},"content":{"rendered":"

What is ClearScore?<\/h3>

ClearScore is a credit reference agency that offers credit reports and credit scores based on Equifax data. Unlike the major credit agencies, ClearScore offers these services on a free, lifelong basis.<\/p>

The tradeoff for free credit report access is that ClearScore will recommend other financial products to you based on your credit profile, from which it receives a commission.<\/p>

Is ClearScore safe?<\/h3>

Yes, ClearScore is a recognised credit reference agency registered in the UK. It is also authorised and regulated by the Financial Conduct Authority (FCA).<\/p>

ClearScore also uses 256-bit encryption to protect its customers\u2019 personal information and holds all data in accordance with the Data Protection Act 2018.<\/p>

Is ClearScore any good?<\/h3>

ClearScore\u2019s biggest selling point is the fact that it offers its credit report services for free. Whereas the other major credit reference agencies generally only let you access your credit report for free on a limited-time basis, ClearScore offers ongoing access to your credit score and credit report.<\/p>

How does ClearScore make money?<\/h3>

Unlike other credit rating agencies, ClearScore doesn\u2019t make money from charging for its credit report services. It instead receives commissions on financial products (such as loans and credit cards) that are offered by other lenders and suggested to you through ClearScore based on your credit score and history.<\/p>

However, ClearScore will only recommend financial products and services that you\u2019re likely to be eligible for given your current credit profile.<\/p>

What is a good credit score for ClearScore?<\/h3>

ClearScore uses Equifax data to calculate your credit score, which is then rated using the following scale:<\/p>
Credit score<\/th>Rating<\/th><\/tr><\/thead>
0\u2013438<\/strong><\/th>Poor<\/td><\/tr>
439\u2013530<\/th>Fair<\/span><\/td><\/tr>
531\u2013670<\/th>Good<\/td><\/tr>
671\u2013810<\/th>Very good<\/td><\/tr>
811\u20131,000<\/th>Excellent<\/td><\/tr><\/tbody><\/table>

\"Screenshot<\/p>

How do I cancel ClearScore?<\/h3>

You can cancel or delete your ClearScore at any time via the ClearScore website. However, the ClearScore credit report services are offered for free, so you won\u2019t be charged for leaving your account open even if you never use it.<\/p>

Pros and cons<\/h3>
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Pros<\/h4>\n