The question mark means that we haven’t been able to find much credit history for you (known as ‘thin file’).
This is usually down to two reasons:
- You don’t have any credit history
If you’ve never had credit (i.e credit card, loan or mortgage) we won’t be able to generate a credit report or score.
- Your credit history is too old
Closed credit accounts usually remain on your credit report for 6 years, after which they’re removed. If you haven’t had an open credit account in the last 6 years, you may no longer have a credit score.
What should I do if I’ve got a thin file?
- Register on the electoral roll
This allows a lender to easily check your identity if you apply for credit, so it’s useful to register.
- Try our coaching plans to help build your credit
We’ve included lots of information in our ‘’ pages for thin-file users, that you’ll have access to through your ClearScore account.
- Check out our learn articles
Learn a look at our for more information on understanding and getting started with credit.