Your credit score and report are updated monthly. You can check them as often as you like - it won’t affect your score - but they will only be refreshed once a month.
We get your score and report from Equifax, one of the UK’s three credit reference agencies. Your credit report is made up of data from your current and previous lenders. These lenders update Equifax’s records every month, and Equifax create your new report based on this information.
Regularly checking your report is a good way to protect yourself from identity fraud. This will help you to make sure all your information is accurate and up to date - if it’s not, you can raise a dispute with Equifax (see below). You can see what’s currently affecting your score in your ', giving you a better understanding of how banks and lenders will view you when you apply for credit.
If there’s incorrect information on your report, follow these steps:
- Contact the lender, bank, local council or court involved to get this corrected.
- Or, with Equifax.
- Once the lender has updated their records, this should be reflected on your ClearScore report within 6-8 weeks.