Your credit score should be free. Now it is. @ www.clearscore.com
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Your credit score should be free. Now it is. @ www.clearscore.com

44
Found 15th Jul 2015
Free Credit report. Don't need to pay anyone for it anymore. Enjoy.

44 Comments

Noodle / call credit has always being free.

FYI score means nothing.

The usual recommendation is to go via one of the cashback sites to get a free trial of one of the services that gives a proper credit rating, so you actually get paid for something that is useful.

googleboogle

Noodle / call credit has always being free.FYI score means nothing.


This is only in the last 2 months your credit score has been free oO

Original Poster

Reports are very easy to read at clearscore and easy to understand at Clearscore.
Noddle use to charge for credit score, they have just made that free in last 2 weeks.

But clear score isn't one of the reference agencies.

Like I said the score means nothing. It's your actually history that counts.

If you are checking do all three agencies via cash back sites for two of them.

cliosport65

This is only in the last 2 months your credit score has been free oO



As said - FYI score means nothing.

Palwan

As said - FYI score means nothing.



​maybe maybe not X)

Are you part of a bigger company?

No, ClearScore is not owned by anyone else. We have received investment from QED Investors, Brightbridge Ventures and Blenheim Chalcot to create ClearScore.

We are also partnered with Equifax, who provide us with your credit report and score which we then show to you.


That would worry me, as it would most people. This is an unknown company (and being 'partnered with' Equifax is a meaningless term) and you're handing to it on a plate your entire credit record.

Alarm bells ringing loud and clear, I'm afraid! oO

cliosport65

This is only in the last 2 months your credit score has been free oO



Noodle itself has always been free, the part what really matters (your credit history/searches/debts/markers) has always been available. They just decided to add the score (which is really bad as I know people with same score with higher /5 rating)

Anyways, if this is legitimate it's good to see history from another CRA
Edited by: "kiish" 15th Jul 2015

Newbold

Are you part of a bigger company?No, ClearScore is not owned by anyone … Are you part of a bigger company?No, ClearScore is not owned by anyone else. We have received investment from QED Investors, Brightbridge Ventures and Blenheim Chalcot to create ClearScore.We are also partnered with Equifax, who provide us with your credit report and score which we then show to you.That would worry me, as it would most people. This is an unknown company (and being 'partnered with' Equifax is a meaningless term) and you're handing to it on a plate your entire credit record.Alarm bells ringing loud and clear, I'm afraid! oO


Exactly my thoughts. Being 'partnered' just means they are buying information from Equifax which is only one reference agency.

People paying for a credit score will be the next ppi, it's determined by the company you buy from not the agencies themselves. Might as well as the guy sitting next to you on the bus his score will be no more worth it than a company providing you it.

check the terms and conditions. they seem to make their money selling your details on to debt collection agencies

(c) recovering debt;
4.7.5 trace your whereabouts; and
d) checking details on proposals and claims for all types of insurance

Any news if these are legit or not ? I stuck me email address in and they said they will email me details later

queensclose

(c) recovering debt;4.7.5 trace your whereabouts; andd) checking details … (c) recovering debt;4.7.5 trace your whereabouts; andd) checking details on proposals and claims for all types of insurance



Even Noddle will do that, additionally to that they will also make their money through credit card offers which I guess they make £x per application etc. Same way as Noddle without the extra useless upgrade options.

https://www.noddle.co.uk/privacy-policy
> Who do we share your personal information with?
> Third Party Disclosure:
> Please note that we may disclose your personal information:
> organisations including financial services, insurance providers and credit and debt collection agencies

googleboogle

Any news if these are legit or not ? I stuck me email address in and they … Any news if these are legit or not ? I stuck me email address in and they said they will email me details later



I signed up and it's all correct, some more info can be found on:
forums.moneysavingexpert.com/sho…487

Edited by: "kiish" 16th Jul 2015

Making money from credit card applications on a debt related site? May aswell have beer companies advertising in alcoholics anonymous meetings!

thanks OP
its really clear and easy to browse through and they hold astonishingly correct information.
I am registered with noddle too but that is crap.....information noddle has got is really crap....Noddle still can't see me on electoral register.
whereas clearscore just mins after registering can see all the correct information. i am now going to request a closure of my noddle account.

I cant get past the previous address page. keeps looping even though details are correct.

Do they send you the score every month like what Noddle does?

Newbold Equifax is used by finance companies all over the country to check credit scores/eligibility
It's a totally trusted company

Yellowbutterfly87

Newbold Equifax is used by finance companies all over the country to … Newbold Equifax is used by finance companies all over the country to check credit scores/eligibility It's a totally trusted company



I have no problems with Equifax at all - it is as you say it is.

My problems are with ClearScore, who have nothing whatever to do with Equifax - they just buy the data from them.

[quote=mayur12]
Free Credit report. Don't need to pay anyone for it anymore. Enjoy.
[/quo

Sorry, but you can't provide link to that website here unless you are an owner of HUKD
Should this thread be removed then?
Their T&C
13.3 You must not establish a link to our website in any website that is not owned by you.

I'm really worried ow,whether to use it or not,after all these other comments. May leave it a while longer,to see what else others' say.:(

mayur12

Free Credit report. Don't need to pay anyone for it anymore. Enjoy.

Google ogle can you tell me the best way to find out my real..full credit score

Bg_

Google ogle can you tell me the best way to find out my real..full credit … Google ogle can you tell me the best way to find out my real..full credit score


No such thing, I'm afraid. The 'score', insofar as it exists at all in reality, varies from company to company, and even from day to day.

A credit score does not exist. Its a big algorithm companies use to see if they will lend to you. Each company has its own logic behind it.

Clearscore, Noodle, experian etc all work out what yours could be, what they provide is an indication, on how likely you are for credit you are.

The moneysavingexpert forums are best if you do need advice.

I saw the ad on TV that said free credit score forever which suggests you never have to pay but when I got to Clear Scores site to sign up that isn't the case you only get the first 30 days for free then it's a monthly subscription which is bull!! Trying to make money from people that are trying to improve their credit rating is just wrong

unhappi

I saw the ad on TV that said free credit score forever which suggests you … I saw the ad on TV that said free credit score forever which suggests you never have to pay but when I got to Clear Scores site to sign up that isn't the case you only get the first 30 days for free then it's a monthly subscription which is bull!! Trying to make money from people that are trying to improve their credit rating is just wrong



It is free, you must have clicked wrong thing or a cost option that they do


please may I check my credit score
[/quote]

These guys are crooks, I aborted my application with them after reading some of the comments here - i can tell they have sold my details on as i now get so many more offers for Credit card and also got a call from a debt collection agency(Robinson way) asking me if i got their letter, i didnt even know who they are until i looked them up.

I have used these for months now. No offers of credit cards or calls from debt collectors.

frodo1981

These guys are crooks, I aborted my application with them after reading … These guys are crooks, I aborted my application with them after reading some of the comments here - i can tell they have sold my details on as i now get so many more offers for Credit card and also got a call from a debt collection agency(Robinson way) asking me if i got their letter, i didnt even know who they are until i looked them up.


It may be worse than you think. There's a very interesting post on MSE. Apologies for the length, but it reads as follows:

Sorry if I'm posting in the wrong place.
I've been alerted by equifax (paying... :-( ) that ClearScore have made an "inquiry" on my credit file at Equifax, six times on 21/01/2016.
It coincides by date with a check by Capital One (Europe) - my credit card provider.
I've contacted Capital One and they said they don't use ClearScore.
I'm waiting on a response from Equifax.
I've not applied for any credit of any kind - last one was talktalk broadband in late November, which shows as normal and is in place.
Any ideas?
Have you checked your Equifax report yourself ?
yes. That shows the following:------
21/01/2016
Hide DetailsShow DetailsSearches New/Deleted
CLEARSCORE , a Miscellaneous company, has made an inquiry against your credit report on 19/01/2016 . If you were not aware of or did not consent to this search, contact CLEARSCORE or Equifax for clarification.
CLEARSCORE , a Miscellaneous company, has made an inquiry against your credit report on 19/01/2016 . If you were not aware of or did not consent to this search, contact CLEARSCORE or Equifax for clarification.
CAPITAL ONE (EUROPE) PLC , a Credit Card company, has made an inquiry against your credit report on 19/01/2016 . If you were not aware of or did not consent to this search, contact CAPITAL ONE (EUROPE) PLC or Equifax for clarification.
CLEARSCORE , a Miscellaneous company, has made an inquiry against your credit report on 19/01/2016 . If you were not aware of or did not consent to this search, contact CLEARSCORE or Equifax for clarification.
CLEARSCORE , a Miscellaneous company, has made an inquiry against your credit report on 19/01/2016 . If you were not aware of or did not consent to this search, contact CLEARSCORE or Equifax for clarification.
CAPITAL ONE (EUROPE) PLC , a Credit Card company, has made an inquiry against your credit report on 19/01/2016 . If you were not aware of or did not consent to this search, contact CAPITAL ONE (EUROPE) PLC or Equifax for clarification.
CLEARSCORE , a Miscellaneous company, has made an inquiry against your credit report on 19/01/2016 . If you were not aware of or did not consent to this search, contact CLEARSCORE or Equifax for clarification.
CLEARSCORE , a Miscellaneous company, has made an inquiry against your credit report on 19/01/2016 . If you were not aware of or did not consent to this search, contact CLEARSCORE or Equifax for clarification.
CAPITAL ONE (EUROPE) PLC , a Credit Card company, has made an inquiry against your credit report on 19/01/2016 . If you were not aware of or did not consent to this search, contact CAPITAL ONE (EUROPE) PLC or Equifax for clarification.
------
I've had quite a quick response from ClearScore messaging, saying that an account had been opened on ClearScore, with my details. They've now blocked that account.
It concerns me because when I signed up for Equifax, the long list of questions and answers required (relating to bank and credit cards from 5 years ago etc) made it difficult for ME to set up the equifax account. On that basis, I'm assuming ClearScore is not as rigorous?

To be honest I had a ball ache setting my clearscore account up. But not sure if they have simplified it. since it first came out.

Funny I just shredded a capital one card application they sent, I will sign up with a proper agency and see what's been going on.

frodo1981

Funny I just shredded a capital one card application they sent, I will … Funny I just shredded a capital one card application they sent, I will sign up with a proper agency and see what's been going on.



They buy the information from Equifax , so it should match what they say.

To be honest, I use Equifax and experian to check my rating, but that costs, and only keep an eye on it with clearview and noodle to keep a free eye on it.

mayur12

Free Credit report. Don't need to pay anyone for it anymore. Enjoy.

mayur12

Free Credit report. Don't need to pay anyone for it anymore. Enjoy.

States that clearcscore is free forever when actually isnt which it is a 30 day trial then £13.99 a month so how can it be free forever?
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