Alberta, British Columbia, Canada, Manitoba, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, Online, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon
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ClearScore is a financial technology company that provides user with their free credit score and report. With over 20 million users worldwide, you can now get personalized insights on your credit score to allow you to improve it so you can apply for competitive credit offers.
One of the benefits you can access from ClearScore is checking your credit score for free. This is useful for those who want to see whether they will likely be accepted for credit.
ClearScore has personalized insights about your credit score so you can improve it to get lower interest rates and apply for offers and credit that are right for you, based on your current credit profile.
You can sign up with ClearScore in just 3 minutes and receive your credit score and report for free, forever.
Once you sign up with ClearScore, you can access the personalized offers through their marketplace, and apply for offers you are interested in across credit cards, loans and mortgages.
In the credit card panel, the ‘Approval Odds’ tag next to each card’s benefits and features helps you understand your approval odds and likelihood for acceptance. Look for whether the approval odds next to each card are excellent, good or fair – so you can confidently apply for cards you’re likely to be approved for.
Get unlimited credit checking opportunities with Clearscore and improve your credit scores. This credit reference company was established in 2014 and was originally restricted to the US. Since 2022, however, this company has become available to Canadians.
Clearscore is a credit checker that offers free credit scores and credit reports. It also comes with personalized loan and credit card recommendations, a mobile app, and credit score improvement tips.
Although there’s no bonus offer, this company’s credit check, credit card comparison, credit utilization, and internet protection products are also admirable. Canadians who don’t like Clearscore can use Mogo or CIBC.
Get the basics of what this credit-checking agency has to offer here.
ClearScore offers reward cards, travel cards, cash-back cards, credit building, low-interest cards and US Dollar credit card offers from their partners.
You can compare cards by checking your credit score and see if you are interested in any of your personalised credit card offers.
When you register with this credit reference agency, you gain access to these features:
When Clearscore checks credit scores for Canadians, it goes a step further to create a full credit report. This credit report is free forever, and it shows more than just a simple credit score.
Most loan approvals in Canada are dependent on the credit score of the individual seeking them. When Canadians use this credit-checking platform, it goes ahead and recommends loans from its partners. These loans are chosen based on a user’s credit report and, as such, are very likely to be approved.
After the Clearscore credit check, this agency also offers some tips on improving that credit score. These tips are given based on the factors that are affecting a user’s credit and, as such, are very effective.
Clearscore Canada offers users of its services access to top credit cards based on their credit reports. These credit cards also come with bonus offers that are unique to users of this platform.
Apart from its website, this credit-checking platform also offers a mobile app for iOS and Android users. The Clearscore app is easy to use and offers all the services of the main website.
Below are the products this credit reference platform offers to its users.
Individuals that sign up with this credit reference agency can search for credit cards based on their credit report. They can also compare the various credit cards that are recommended without leaving the platform.
Clearscore Canada allows users of its platform to check their credit scores and generate credit reports for free. With this report, Canadians can be made aware of any possible errors in their credit score.
This feature checks if there has been any breach of a user’s identity on the dark web. It also checks if any passwords related to the user have been leaked or compromised.
This is a graph that shows how an individual’s spending and purchases have affected their credit scores. It shows other financial information, like a user’s short-term and long-term debts.
Another feature you can access is ClearScore Protect which allows you to get free identity protection and check whether your passwords are stolen – all in under 3 minutes.
With data breaches on the rise, your personal information could be at risk, especially when a company gets hacked. Victims of fraud take a long time to recover from their identity and get back money stolen from them.
With ClearScoreProtect, their cyber security partners search the dark web for stolen data and save it in a secure database.
Every three months, they will scan this database to see whether passwords associated with your email address are stolen. ClearScore will notify you straight away to change your passwords.
In addition, you can access personalized security tips to ensure your online identity is safe.
If Clearscore doesn’t meet your needs, there are some other credit reference services that you can try, like:
Mogo is a Canadian financial company that has been around since 2003. This company offers credit checking services, loan services, and cryptocurrency trading services.
Compared to Clearscore, Mogo doesn’t offer a full credit report; it only offers a credit score. However, its services are also free.
CIBC is one of Canada’s most prominent banks, and it has been in business since 1867. This bank offers many financial services like loans, account opening, and credit checking. Although the credit checking services of CIBC are free, they only check credit scores and don’t offer a full credit report.
Alberta, British Columbia, Canada, Manitoba, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, Online, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon
Since 2014
Finance
English
ClearScore is a financial technology company that provides users globally with their free credit score and report. With over 20 million users worldwide, you can now get personalized insights on your credit score to allow you to improve so you can apply for competitive credit offers.
Simply go on ClearScore’s website and sign up with your email or download the app; the entire process takes just 3 minutes. Once you sign up, you can receive your credit score and report for free, forever.
ClearScore’s vision is to help everyone, no matter what their circumstances, achieve greater financial wellbeing. It starts by giving everyone free access to their credit score and report so they are able to make clearer decisions about credit. They do this through a partnership with TransUnion, one of Canada’s top credit reporting bureaus, utilising a scoring system that ranges from 300 to 900.
There are no time-limited trials and hidden costs with ClearScore. You can access your credit score and report for free, forever.
It is also important to know that ClearScore makes money when you apply for a card or a loan with them; ClearScore is paid a commission by the provider of the credit product. These commissions cover the cost of being able to provide free credit reports and credit scores. That being said, they never rank products based on how much commission they earn. And there are no paid spots on ClearScore. Their recommendations are always based on your report and personalized to your financial situation.
ClearScore prioritizes its customer’s data and safety. They use bank level security with 256-bit encryption to keep your data secure. Plus, they offer features such as ClearScore Protect where their cyber security partners search the dark web for stolen data and save it in a secure database. If they find anything, ClearScore will let you know so you can change your passwords and take control.
No, the use of this credit checker doesn’t have any effect on your credit score. That’s because Clearscore Canada uses a soft credit check to reduce the credit scores of its users. This soft credit check is invisible to lenders, banks, and other financial agencies.
Yes, Clearscore offers a real credit score that’s gotten from TransUnion, a reputable Canadian credit reference agency. As such, individuals who use this platform get an accurate credit score that is updated weekly. Since this credit agency gets its scores from TransUnion, all credit scores range from 300 to 900.
Canadians who want to register with this company need to visit its platform. There, they can provide personal information that can be used to retrieve their credit score, like their name and date of birth. After which, a new account will be created for them, and their credit information will be displayed.
Clearscore Canada gets paid through a commission from its lending and credit card partners. This commission comes when users of the platform accept a credit card or lending recommendation and use it. It’s with such payments that this platform can maintain its free service.
No, banks and other lenders cannot use the services of Clearscore. That’s because the services of this credit checker have been strictly set aside for private usage. Hence, banks and other lenders who use credit checking services for commercial purposes cannot use the Clearscore credit check services.
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