1. Chat

Your Preferred Free Credit Score Provider?

Ask a Question

I'm currently with ClearScore (Credit Ref. By Equifax), but not very satisfied as the information included is either outdated or incorrect. Plus, I've contacted them about it without much success.

Not sure CreditKarma (Credit Ref. by TransUnion), Totally Money (Credit Ref. By TransUnion), Money Supermarket (Credit Ref. By TrasUnion), or Experian are better than what I'm using now. Don't want to create too many accounts unnecessarily.

All those powered by TransUnion are ultimately the same thing so it comes down to: ClearScore [Equifax] vs CreditKarma [TransUnion] vs Experian [Experian]

Thanks.

PhilipMarc
over a year ago
What do you think of this?+20 points
Advertisement
PhilipMarc

I've compared ClearScore vs CreditKarma, and personally, CK is more accurate and up to date.

That being said, results may vary per customer.

Like
Reply1
Ruqqi

I absolutely love the ClearScore app, and it has definitely offered me the best deals that were not available (to me) elsewhere in terms of credit cards and loans.

Like
Reply
PhilipMarc

You mean the Clear Score app? I agree. Just wish they'd add a dark mode because the white theme can be too bright at times.

Turning the phone's brightness to the bare minimum solves it for me, but most other apps these days have a dark mode.

Speaking of dark mode, Monzo still doesn't have it either.

Like
Reply1
Ruqqi

Yes, Clear Score 😂 PhilipMarc

Absolutely love Monzo too. I keep my screen on dim so don't get hit by superbright light

Like
Reply
TheChimp

Don't you have to link your bank account to these credit score providers which gives them details of EVERY transaction you make?

Surely, the only way they can make money is by selling these details on? 🤔

Like
Reply
PhilipMarc

You can link, but you don't have to.

What you're referring to is Open Banking or something like that.

Like
Reply
TheChimp

PhilipMarc If you don't link your bank account, what's the point?

If the credit score companies don't know your spending habits, how can they decide what overpriced credit deals they can push on your?

It's all data gathering and you should know better

Like
Reply
PhilipMarc

TheChimp

It gives you info about your financial situation as a whole. With credit cards it automatically knows when it's used, but debit cards stays private ("£0").

They have collected info on people's financial position so might as well make use of it than "they're invading my privacy."

Plus, sometimes it features data the user may not know and should be corrected.

Like
Reply1
TheChimp

PhilipMarc So they use all your transaction data before either selling it o or being a credit broker that sells overpriced financial products to people? 🤔

Like
Reply
didbygraham

I'm with clear score - and have to say its very up to date - its nice to see all the details in one place and always good to see the score go up! I think most of these services all use the same sources anyway?

Like
Reply2
PhilipMarc

Yep, most of them use Equifax or TransUnion. However, Experian only seems to provide a very basic service and if anyone wants the full experience, it has to be paid.

I tried Money Supermarket (cred. by TransUnion) and I hated the interface, it looked like a video game. Very messy and confusing, imo.

Like
Reply2
Bossclaz

i have both Clear Score and Credit Karma downloaded as apps, as they are free may as well keep an eye on things

Like
Reply
joanne5

I like ClearScore but I don’t always find it up to date.

Like
Reply
One of the UK's largest deal hunting communities

Join for free to get genuine deals, money saving advice and help from our friendly community

Tom Church
Co-Founder &
Chief Bargain Hunter
Tom Church, Co-Founder
Want deals & discounts automatically?
+100 bonus points!
Latest Deals Browser Extension
Latest Deals Mobile App
  • Download our app
  • 1,000+ new deals every day
  • Earn free Amazon vouchers
  • Daily deal alerts - never miss the best offers!
  • Download the Latest Deals iOS AppDownload the Latest Deals Android App
Latest Deals
Disclaimer

The content on Latest Deals is a combination of information submitted by members of the public and the Latest Deals team. Whilst we make every effort to try and ensure genuine, accurate content we cannot guarantee it. Please always carry out your own due diligence and double check the details of an offer on the retailer's own website.

How this site works
  • To cover the site's running costs, Latest Deals uses affiliate links.
  • If you click on a link to an external website and make a purchase, Latest Deals may earn a commission.
  • We allow deals to be shared on Latest Deals irrelevant of whether or not they generate us money. Our #1 concern is helping you save money.
  • If you have any questions about how the site works, drop us a message. We're always happy to help.
Copyright © 2024 Latest Deals Limited
Registered in England and Wales. Company number 10286141. WeWork 6th Floor, International House, 1 St Katherine's Way, E1W 1UN
We value your privacy

We use cookies to help give you the best experience on our website with improved customisation, analytics & advertising (inc. personalisation). You can read our full cookie policy. Please either , or .