Your Preferred Free Credit Score Provider?
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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 By Equifax), but not very satisfied as the information included is either outdated or incorrect.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.
I've compared ClearScore vs CreditKarma, and personally, CK is more accurate and up to date.
That being said, results may vary per customer.
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.
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.
Yes, Clear Score PhilipMarc
Absolutely love Monzo too. I keep my screen on dim so don't get hit by superbright light
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?
You can link, but you don't have to.
What you're referring to is Open Banking or something like that.
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
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.
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?
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?
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.
i have both Clear Score and Credit Karma downloaded as apps, as they are free may as well keep an eye on things
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