Whether your score is high or low, you can take control of your finances and improve your score. The first step is to understand what influences it.
When you view your 'Report' section on your ClearScore account, you’ll see 'Insights'. These are tailored to your credit history. We provide these to show what might be affecting your report and score and ways of improving each one.
Read more about each insight and what influences your score.
New to credit or building your score
If you’re new to credit, the easiest way to build and protect your score is to prove you can manage credit. You can start with a phone contract or a credit card. You’ll need to always pay on time to successfully build a score over time.
Managing your finances
The best way to build and protect your credit score is to responsibly manage your finances and debt. It means always paying on time and not taking out too much credit at any one time.