Your affordability score helps you understand how lenders see you when you apply for credit. Insights show you some of the things lenders check for, with tips on how you can improve.
How affordability works
We calculate your affordability score (out of 100 points) when you link Open Banking with your ClearScore account. It’s based on your income and everyday spending from your linked bank accounts. It’s completely safe and secure, and you can unlink your accounts at any time.
Benefits of having an affordability report and score
- Know where you stand with lenders before you apply for credit.
- See personalised tips and insights to improve your chances of being approved.
- Get the widest range of offers that are right for you.
Linking your accounts through Open Banking could save you money.
Your affordability score and insights are completely separate from your credit report and score and it doesn’t affect them in any way.