ClearScore

Works for me, and seems to have all my back accounts utilities and longtime debt. Though it’s just ment to be a peak in time rather than a full blooded affair. After all it’s free.

It brought an issue to my attention in Feb that I would of missed untill I had non payment of debt bills on my door mat. Someone took out an online catalogue in my name.

Its good as an first layer of defence. Plus you get a monthly notification when your next update arrives. Which is good as I forget alot lately.

I tried this out initially as I needed a credit score for a mortgage, I thought it would do. It basically serves as an ” easy access portal” to Equifax.

It’s sole benefit is it is free. I have had quite a few ” Loans specially prepared for you” type emails – I unsubscribed and thy appear to have diminished, if not stopped.

I queried with them some missing accounts and incorrect numbering of the account shown and this was their reply:-

Hi John,

Thanks very much for your email.

If some of your financial accounts seem to be missing from your report, this may be because:
• They appear under a different company name
• Your lender does not share their information with Equifax (some don’t)
• Your account is new and hasn’t been added to your report yet. If an account has been recently opened, it may take up to 6 weeks to show on your credit report while Equifax waits for an update from the lender. Keep checking your report regularly for any updates.
• Your account is registered under a previous address and you are yet to update this with the lender. If you have recently updated your details to your current address, this may also take up to 6 weeks to show on your report
• If a current account is missing and doesn’t have an overdraft, it may not be considered as a ‘credit account’ and so may not show up on your report.
• If the account is more than 10 years old, it could be missing from your report because it is unlikely that the credit reference agencies will still hold this older data.

If you suspect something is incorrectly missing from your report, you can either contact the lender or you can fill in a dispute form to get this corrected with Equifax directly: https://www.clearscore.com/dispute

I would also like to inform you that your income, savings and assets do not affect your credit report, score or the validation process.

Also, savings accounts and other investments will not be displayed on your report, as we only show accounts with credit facilities.

However, we do show current accounts that have an overdraft facility, such as mortgage accounts, credit cards, and loans etc.

Further to your query, I understand that the account number showing on your ClearScore report is incorrect.

It’s important to note that there are occasions where account numbers need to be encrypted for security purposes, and so won’t match the actual account numbers you have on your card or statement.

This is a security measure put in place to minimise the chance of your details being obtained fraudulently.

If you recognise the other details on this account, such as the account provider, opening date and the payment history, it may be that the account number has been encrypted in this instance.

If you don’t recognise the account, then you’ll need to dispute this with Equifax. You can do that here: https://www.clearscore.com/dispute

I hope this clears things up for you.

Many thanks,
Kaksha

They also quoted this to me in an initial reply to my query:-

Hi there,

This is the ClearScore team. Thanks for your enquiry.

This is confirmation that we’ve received your message and we’ll look to get back to you as soon as possible, usually within 3 working days. In the meantime, you may want to check our FAQs and help content to see if your question has already been answered: https://help.clearscore.com

How ClearScore works
It’s important to note that ClearScore is not a credit credit reference agency, and lenders do not use ClearScore to carry out credit checks on you.

We provide you with access to the credit data that Equifax hold on you, which banks and lenders will use when assessing your credit worthiness.

Lenders will not be able to see how ClearScore is showing your credit information to you. So if there is something not quite right in how we’re displaying your information, this will not have any effect on your credit worthiness.

That about says it all.

I’ve found Clearscore to be pants recently – it was quite up to date recently but now it’s a bit of a joke. Noddle is far better for showing all of my accounts etc. So now I just check Noddle. Time saved!