We partner with Equifax, one of the UK’s 3 main credit reference agencies, to show you your credit score for free - forever.
Lenders use Equifax or one of the other CRAs to make decisions about whether to lend you money - they don’t use ClearScore.
Equifax, like lenders, use your most up-to-date information. If your information is all up to date then ClearScore credit score is a very good indication of how a lender will see you.