Today I am writing a short review of ClearScore who like Noddle, provide you with a free credit score and report. I have been using ClearScore for about a year now to monitor my credit report.
This is a review of my experiences so far.
Where is the Data Provided From?
The Data ClearScore provides comes from Equifax who are one of the Credit Reference Agencies in the UK. As a result you may not see all the data here and I would recommend signing up to Noddle as well. You can read my Noddle Review too if you like.
The reason you might not see all data is due to the fact that the companies you hold accounts with may only send data to CallCredit, or Equifax or Experian. They may send data to a combination of the three or perhaps to all three but not all lenders will do this. This means information can be different depending on the Credit Reference Agency used. It’s a bit of a mine field to be honest.
This was straight forward. As usual I was asked for some basic information such as my address and data of birth. This was to confirm I was who I say I was and is pretty standard when signing up to services such as ClearScore. After signing up I was presented with my credit report and score.
When I signed in I could see my credit score. Sadly my credit score was poor but I could still see it at least. I could then view other information such as my credit accounts and credit searches along with whether I had any County Court Judgments against my name. There is other information too.
Another handy feature is their loan and credit card matcher. This tells you how likely you are to be accepted before you actually apply. This is useful as it saves you making applications for credit if there is no chance of you being approved. It can also help you understand just how bad or how good your credit score is.
Other helpful information was their help with rebuilding your credit if you are like me and have bad credit. They have a lot of useful resources if you are trying to improve your credit rating.
I have recently started email receiving notifications to alert me when anything has changed on my credit report. This is good as it can help you spot ID fraud if something has happened that you don’t recognise.
The ClearScore App
This works on your mobile and seems OK. It isn’t yet able to display notifications when anything has changed but they say this is coming soon.
Just like Noddle you can update your report once every thirty days. This is fine and will be more than enough. You do get those notifications in between this time should anything have changed.
Concluding this ClearScore Review
In all for free you can’t complain and you do get to see your credit report plus a credit score. I would recommend checking them out if like me you are trying to rebuild your credit. Using this along with the Free report from Noddle will give you a good overview of your credit history.