Check your credit report and details
Before a new application, check your credit report for corrections and out of-date information. If you're applying with ClearScore, check your account details too. Keeping your details up to date means you'll get personalised offers.
Get credit healthy
Protect, improve and grow by activating your Credit Health. This helps you get a fuller picture of how lenders see you. In 3 easy steps, you can see more insights on how to shape up your finances before applying for an offer.
When you apply
The lender will complete a credit search using your details. This credit search will show on your credit reports as a hard search. Lenders will combine the credit check and their own tools to decide on you as a borrower.
Why offers might disappear
Your offers, eligibility and chances of acceptance depend on the information we have for you. Offers can update or disappear for lots of reasons, such as:
- The credit provider no longer has that product available or the offer has now come to an end.
- Something changed in your report or personal details and you're no longer eligible.
- The lender’s criteria has changed so we’re unable to continue showing you the offer.
- Your chances of approval changed.
Score dropped after you took an offer
Your score will most likely drop after a new application, this is normal. A new hard search, new account and changes being added to the report affect your score. If you make your repayments on time your score will build again over time.