At ClearScore, we want everybody to be able to access their credit report and score for free, forever.
However, if you’ve never used credit before (such as a credit card, loan or mobile phone contract), credit reference agencies can’t generate a credit score for you. This is because you don’t have any credit accounts in your name, so they don’t have any borrowing information to base your score on.
If you’ve got a '?' on your dashboard instead of a score, this means Equifax (a credit reference agency) don’t have a credit report for the details you entered during registration, which means we can’t show you your report and score.
We appreciate how frustrating this is for you (and us). So we decided to create a special ClearScore experience for people who are new to credit and have no score yet.
In your account, you'll find a Coaching plan called ‘Build’. It's designed to help you build your credit report and score. By talking to our chatbot, and then completing the tasks in your Coaching plan to-do list, you can start to build your credit history.
In your ‘Offers’ section, you can apply for financial products specifically designed to help you build your credit. These don’t require a credit check, and are a safe way to get a credit account in your name and start building your credit report and score.
We also offer alternative bank accounts that you can open instantly, without needing a credit check or a UK address. These are a good option if you’ve just arrived in the UK, are travelling or just want an easy way to manage your money.
But I do have credit history?
If you think you do have credit history in your name, we suggest you delete your account and sign up again. Make sure you sign up using the personal details (name and address) that match your credit accounts. Mismatches or misspelt names can cause us problems finding your credit report.
Alternatively, you can sign up for ClearScore again with a different email address, creating a second account. Again, be careful to use the details that match your credit accounts.