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ClearScore

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ClearScore is a financial technology business that gives customers in Australia, India, South Africa and the UK free access to their credit score and report. It was incorporated in 2015[1] by Justin Basini (CEO),[2] Dan Cobley and Nigel Morris. It is headquartered in London and has over 12 million users worldwide as of February 2020.

Clearscore reports are provided by Equifax (one of the 3 main credit reference agencies in the UK).[3]

History

ClearScore began beta testing[4] on 1 July 2015 and launched on 15 July 2015. It was the UK's first service giving consumers free access to their credit score and report.[5] Its initial offering was credit scores and reports only.

In July 2015 the company added credit card offers to its site and in September 2015 it added personal loan offers. In December 2015 it launched the UK’s first credit checking app.[6]

In July 2016 the company added a credit history feature called 'Timeline'[7] to its site and had over 2 million registered users.[8] In November 2016 it added car finance offers, and in February 2017 launched a chatbot to help users improve their credit.[9] The company now employs over 100 people in the UK.

ClearScore went on to launch in South Africa in June 2017, India in August 2018 and Australia in February 2020[10].

In September 2018, the Advertising Standards Authority received 35 complaints that a ClearScore TV advert aired in June 'trivialised' domestic violence. The ad was cleared by the ASA.[11][12]

Media attention

ClearScore has been named in Tech City’s 2017 Future Fifty,[13] and also in the Everline Future 50.[14] In 2016 it was named on the European Fintech Top 100 list.[15]

It was awarded Innovation of the Year at the 2016 Fintech Innovation Awards[16] and Innovative Product in Financial Sector at the 2016 Techies.[17] It also won Venture Funded Business of the Year at the 2016 Startups Awards.[18]

It has also won the sector prize at the 2016 Masters of Marketing Awards[19] and the Marketing Learning prize at the 2016 Financial Services Forum Awards.[19]

ClearScore has been recognised as one of the UK's best workplaces.[20]

ClearScore has been mentioned in several major newspapers.[21][22][23]

References

  1. ^ "Google's former No. 2 in Europe just launched a startup that gives you a completely free credit score". Business Insider. Retrieved 19 April 2017.
  2. ^ Torrance, Jack (14 June 2017). "Meet the entrepreneur making credit scores free". Management Today. Retrieved 27 July 2017.
  3. ^ "Why is my CallCredit/Experian report different from my ClearScore one?". clearscore.com. Retrieved 13 September 2018.
  4. ^ "Free UK credit scoring startup ClearScore begins beta testing". Finextra. 2 July 2015.
  5. ^ "Fintech start-up ClearScore to make credit scores free for consumers". Tech City News. Archived from the original on 21 April 2017. Retrieved 19 April 2017.
  6. ^ "ClearScore app: How to get free access to your credit rating". Independent. 24 December 2015. Retrieved 19 April 2017.
  7. ^ "ClearScore debuts new credit scoring tool". Finextra. Retrieved 19 April 2017.
  8. ^ "Bobs Guide". Retrieved 19 April 2017.
  9. ^ "ClearScore Launches World's First Chatbot to Build Credit Confidence". Bobs Guide. Retrieved 19 April 2017.
  10. ^ "The continuing ClearScore mission: to boldly deliver financial well-being to our users". ClearScore. Retrieved 18 February 2020.
  11. ^ Oppenheim, Maya (26 September 2018). "Advert accused of 'trivialising domestic violence' for depicting couple's row over avocados is cleared". The Independent. Retrieved 20 May 2020.
  12. ^ "ASA Ruling on Clear Score Technology Ltd t/a ClearScore". ASA. 26 September 2018. Retrieved 20 May 2020.
  13. ^ "A powerful network of the UK's fastest growing, late stage tech companies". Future Fifty. Archived from the original on 3 March 2017. Retrieved 21 April 2017.
  14. ^ "Real Business". Retrieved 19 April 2017.
  15. ^ "European FinTech Awards 2016". Dutch FinTech Awards. Archived from the original on 20 April 2017. Retrieved 19 April 2017.
  16. ^ "2016 winners". FinTech Innovation Awards. Retrieved 19 April 2017.
  17. ^ "Tech World". Retrieved 19 April 2017.
  18. ^ "Winners 2016". Startups. Retrieved 19 April 2017.
  19. ^ a b "The winners: Masters of Marketing Awards 2016". eConsultancy. Retrieved 19 April 2017.
  20. ^ Dunsby, Megan (8 May 2017). "Home > News Startups Awards winner ClearScore ranked among UK's 'best workplaces'". StartUps.co.uk. Retrieved 14 June 2017.
  21. ^ Read, Simon (24 December 2015). "ClearScore app: How to get free access to your credit rating". Independent.
  22. ^ Whatelely, Laura (10 October 2015). "Having a poor credit score costs £19,000". The Times.
  23. ^ Fitzsimons, John (1 February 2017). "A poor credit score could bump up the cost of your next car by £10,000 - cheaper ways to pay for your motor". The Mirror. Retrieved 19 April 2017.
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