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  • FIRST POST
    • MSE Amy
    • By MSE Amy 7th Sep 15, 12:50 PM
    • 27Posts
    • 36Thanks
    MSE Amy
    Clearscore
    • #1
    • 7th Sep 15, 12:50 PM
    Clearscore 7th Sep 15 at 12:50 PM
    This is the discussion area for the new free credit score and report website



    See our credit score guide too.

    Please let us know what you think below.
    Last edited by MSE Andrea; 07-01-2016 at 2:41 PM.
Page 13
    • zx81
    • By zx81 27th Sep 16, 5:34 PM
    • 9,361 Posts
    • 9,201 Thanks
    zx81
    Oh dear.

    Your score is irrelevant. No one sees it but you, so it can be as high or as low as you want.
    • elle may
    • By elle may 27th Sep 16, 5:56 PM
    • 144 Posts
    • 82 Thanks
    elle may
    clear score
    Signed up last month and found i had 1 negative. This was because they said i was not on the electoral role. Raised a query and waited, was contacted by email and told they would look into it and would i go into an account they had set up for this.

    But no matter how i tried i could not get into this account as another op has said on mse anyway i found Clear score had set my middle name as my surname and i told them this. Another email from them said i should delete that account and set up again with the right surname. So i did and re registered the same email and password and i was given the account back with name been correct this time and no negatives. Funny thing my score was different ,a bit lower, when i had this rectified. I know this is not seen by lender so not bothered.
    • swabaxter
    • By swabaxter 9th Oct 16, 9:45 PM
    • 17 Posts
    • 1 Thanks
    swabaxter
    I just signed up. Information is clear and accurate. It does not give you access to what I would call the raw data which you do via the Credit Reference Agencies themselves.
    • bertram IX
    • By bertram IX 10th Oct 16, 11:46 AM
    • 17 Posts
    • 1 Thanks
    bertram IX
    Impressive Clearscore
    I have to say that I am most impressed with Clearscore.

    I received an email today informing me of a new score rating and on logging on I found that (compared with the previous month) because my long term debt had reduced by £7000, (overlap of personal leasing agreements, my credit cards reduced by over £100,(over 5%of total) and there were no detrimental entries my credit score had gone DOWN. Amazing

    I assume that if I cleared my credit cards, paid off the lease agreement and continued to pay all bills on time my score would drop to nought, or would they manage to perhaps come up with a minus score.
    • Majestic12
    • By Majestic12 18th Oct 16, 8:44 PM
    • 111 Posts
    • 49 Thanks
    Majestic12
    I have Noddle, but is Clearscore better/different?
    • zx81
    • By zx81 18th Oct 16, 8:47 PM
    • 9,361 Posts
    • 9,201 Thanks
    zx81
    It's a different CRA.
    • forgotmyname
    • By forgotmyname 18th Oct 16, 9:05 PM
    • 23,312 Posts
    • 9,191 Thanks
    forgotmyname
    Not better but a different company. There are more than one credit agency.

    Some report to one and some report to several. There was a list of who uses which credit company. Not sure if it stays upto date though?
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • Consumerist
    • By Consumerist 18th Oct 16, 10:11 PM
    • 4,444 Posts
    • 2,206 Thanks
    Consumerist
    I have Noddle, but is Clearscore better/different?
    Originally posted by Majestic12
    For what its worth, I have both and have also signed up to MSE's Credit Club. They are not, themselves, CRAs but they do get their information, usually from one of the CRAs, and then give you their opinion as to a "score" and "recommendations".

    Providing you bear in mind that their prime objective is to earn commission from their "recommendations" - a bit like Cheap Energy Club - they can be useful to compare and contrast and, more importantly, to help keep an eye out for fraudulent activity using your ID.

    I don't treat them too seriously, but the more info you have about your accounts, the better, in my view.
    Warning: In the kingdom of the blind, the one-eyed man is king.
    • Grumpydoc
    • By Grumpydoc 21st Oct 16, 5:56 PM
    • 1 Posts
    • 0 Thanks
    Grumpydoc
    Just tried out Clearscore
    Despite being 60+ I have never checked my credit score. There are several reasons for this, firstly I have never been refused a mortgage, loan or credit card so I have never been worried about my credit but also I resented the idea I needed to pay for it. Even the "Free Offers" had me worried on the basis that most were trials that you had to cancel if you didn't want to be charged after a month & we constantly get warnings about "free" offers that are just a ruse to get you in. In truth I wasn't that worried about my credit score but more & more money "Experts" are advising you to check so I was pleased when MSE suggested Clearscore. I have literally just finished getting my credit score. I am amazed how easy it was to use & how much information they had about my finances which does appear to be correct. I can recommend it & it really is free.
    • The Green Hornet
    • By The Green Hornet 23rd Oct 16, 10:28 AM
    • 341 Posts
    • 573 Thanks
    The Green Hornet
    I have Noddle, but is Clearscore better/different?
    Originally posted by Majestic12
    There are three credit reference agencies in the UK - Experian, Equifax and Call Credit. - and each has a free credit score checking service, as follows:

    Experian Creditmatcher which accesses data from Experian
    ClearScore which accesses data from Equifax
    Noddle which accesses data from Call Credit

    If you want to make sure there is no incorrect information on your credit history files it is probably prudent to sign up to all three.
    6 x Sharp 220 W panels. 1.32 kWp. SMA Sunny Boy 1200 inverter. South facing 30 degree pitch roof with no shading. Eco-eye SmartPV monitor.
    • Beanie57
    • By Beanie57 26th Oct 16, 11:49 AM
    • 1 Posts
    • 0 Thanks
    Beanie57
    Negative on clearscore
    My son got himself into difficulties resulting in his score going down and has been using clearscore which has helped him focus. For the last 9 months he has worked very hard and it was slowly rising. As part of looking at his finances he recently switched internet provider and did agree to a credit check in the T&C. He was accepted by the new internet provider however the credit search has now gone as a negative on clear score and his score has gone down by 28. I could understand this if he had been rejected but he hasn't and this is all part of him managing his money better. Surely after they accepted him,and he can prove its part of managing his money better and the trend is going up, thereby passing the credit check the negative should now be removed? If this can anyone advise how to go about this.
    • zx81
    • By zx81 26th Oct 16, 11:50 AM
    • 9,361 Posts
    • 9,201 Thanks
    zx81
    The secret is to ignore the score as it is meaningless.
    • fermi
    • By fermi 26th Oct 16, 11:54 AM
    • 39,076 Posts
    • 46,881 Thanks
    fermi
    What your credit score really means --> http://www.moneysavingexpert.com/loans/what-credit-scores-mean
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

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    • Consumerist
    • By Consumerist 26th Oct 16, 12:11 PM
    • 4,444 Posts
    • 2,206 Thanks
    Consumerist
    This a short-term effect due to applying for credit.

    Looking longer-term, if your son pays his charges on time every time, this should appear on his credit file to indicate that he has been able to manage his finances properly.

    Short-term pain for long-term gain. He should make sure he doesn't miss any payments.

    Although the "score" itself is meaningless, it's direction of change does give some indication of how his financial status is changing. Be patient.
    Warning: In the kingdom of the blind, the one-eyed man is king.
    • c-m
    • By c-m 26th Oct 16, 2:12 PM
    • 730 Posts
    • 247 Thanks
    c-m
    Been using clearscore a few months now. I like how it's laid out, but it's not quite as detailed as Noddle (call credit) though for me it does list all the same accounts.

    Bizarrely I can't join the credit club as for some reason my details can't be verified. This is despite me having an Experian Credit Matcher account, and all my details being up to date.
    • ShivasPlace
    • By ShivasPlace 26th Oct 16, 3:24 PM
    • 36 Posts
    • 11 Thanks
    ShivasPlace
    My son got himself into difficulties resulting in his score going down and has been using clearscore which has helped him focus. For the last 9 months he has worked very hard and it was slowly rising. As part of looking at his finances he recently switched internet provider and did agree to a credit check in the T&C. He was accepted by the new internet provider however the credit search has now gone as a negative on clear score and his score has gone down by 28. I could understand this if he had been rejected but he hasn't and this is all part of him managing his money better. Surely after they accepted him,and he can prove its part of managing his money better and the trend is going up, thereby passing the credit check the negative should now be removed? If this can anyone advise how to go about this.
    Originally posted by Beanie57
    My 'score' on Clearscore decreased by a similar amount the month after a credit check (hard search) had been carried out. You will be pleased to know that the month after that, it went back up again - so as Consumerist says, it's a short-term thing.

    Oddly enough, it didn't effect my score on CheckMyFile. According to them, multiple credit searches don't really effect your 'score' and it's all a bit of a myth.
    • JanChris
    • By JanChris 5th Dec 16, 10:40 AM
    • 28 Posts
    • 4 Thanks
    JanChris
    My DRO was on 25.9 2014 and ended 25.9.2015

    Clearscore shows on my closed accounts 4 different accounts. One HSBC is closed and zeroed and SETTLED which is what I would expect.

    One HSBC a/c is closed but still shows as £1,696 owing.

    LINK FINANCE (who took over my Barclaycard loan) is closed but is showing as still owing £4,281

    BaRCLAYS ACCOUNT showing £1,2356

    Shouldn't these be showing £0 and settled?

    Also it says I dont have any credit cards but I do have a Vanquis Card for the last 8 weeks which is showing in Noddle but not Clearscore.

    Noddle is showing my LINK account as open!

    Any help much appreciated.

    Janice
    Last edited by JanChris; 05-12-2016 at 10:44 AM.
    • Consumerist
    • By Consumerist 5th Dec 16, 1:00 PM
    • 4,444 Posts
    • 2,206 Thanks
    Consumerist
    My DRO was on 25.9 2014 and ended 25.9.2015

    Clearscore shows on my closed accounts 4 different accounts. One HSBC is closed and zeroed and SETTLED which is what I would expect.

    One HSBC a/c is closed but still shows as £1,696 owing.

    LINK FINANCE (who took over my Barclaycard loan) is closed but is showing as still owing £4,281

    BaRCLAYS ACCOUNT showing £1,2356

    Shouldn't these be showing £0 and settled?

    Also it says I dont have any credit cards but I do have a Vanquis Card for the last 8 weeks which is showing in Noddle but not Clearscore.

    Noddle is showing my LINK account as open!

    Any help much appreciated.

    Janice
    Originally posted by JanChris
    I would suggest that, as a first move, perhaps you should get the genuine credit reports from Experian & Equifax, the main CRAs and also from CallCredit. They cost £2 each but are the best way to check that the info is correct. It's a good idea to do this once a year even if you do get the freebies from Noddle and ClearScore.
    Warning: In the kingdom of the blind, the one-eyed man is king.
    • Rich135
    • By Rich135 5th Dec 16, 1:22 PM
    • 8 Posts
    • 0 Thanks
    Rich135
    Is there any benefits to joining the MSE CreditClub? I am already on Noddle and ClearScore but aside from a meaningless score from Experian CreditMatch I get no view on my Experian reports.
    I read that soon MSE will give full reports from Experian so I am guessing at that point it would be a good idea, but before that does MSE have any advantages? Does it keep records of past scores? Historical data?...
    • Consumerist
    • By Consumerist 5th Dec 16, 1:57 PM
    • 4,444 Posts
    • 2,206 Thanks
    Consumerist
    Is there any benefits to joining the MSE CreditClub? I am already on Noddle and ClearScore but aside from a meaningless score from Experian CreditMatch I get no view on my Experian reports.
    I read that soon MSE will give full reports from Experian so I am guessing at that point it would be a good idea, but before that does MSE have any advantages? Does it keep records of past scores? Historical data?...
    Originally posted by Rich135
    Credit Club is in Beta at the moment; there are no historic records and I'm not aware of any plans to introduce them. As you say, Experian credit reports are planned for the future.

    Much of the site repeats helpful information already available on the MSE main site. One innovation is their "Hit Rate" which evaluates what percentage of a basket of credit offers you are like to be successful with if you applied.
    Warning: In the kingdom of the blind, the one-eyed man is king.
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