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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 By Equifax), but not very satisfied as the information included is either outdated or incorrect.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.

PhilipMarc
6 days ago
What do you think of this?
PhilipMarc
PhilipMarc
Original Poster
4 days ago

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

That being said, results may vary per customer.

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Ruqqi
Ruqqi4 days ago

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

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PhilipMarc
PhilipMarc
Original Poster
3 days ago

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.

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TheChimp
TheChimp4 days ago

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? 🤔

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PhilipMarc
PhilipMarc
Original Poster
3 days ago

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

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

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TheChimp
TheChimp3 days ago

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

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PhilipMarc
PhilipMarc
Original Poster
3 days ago

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.

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TheChimp
TheChimp3 days ago

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? 🤔

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didbygraham
didbygraham4 days ago

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?

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PhilipMarc
PhilipMarc
Original Poster
3 days ago

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.

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Bossclaz
Bossclaz3 days ago

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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joanne5
joanne53 days ago

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

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