ClearScore

What ClearScore does

ClearScore is a UK-headquartered consumer fintech operating a free credit score and report platform alongside a multi-product credit marketplace, serving approximately 26 million users globally (16 million in the UK and 6.5 million in South Africa) with additional operations in Australia, New Zealand, and Canada. The core consumer-facing product offers no-impact credit-score checks, full credit reports, credit history ("Credit Health"), and identity protection ("Protect" free tier; "Protect Plus" subscription with insurance up to £40,000), distributed primarily through iOS and Android applications and the clearscore.com website as a product-led growth model. The marketplace monetizes by connecting users with 90+ UK lender partners including Santander, Tesco Bank, Barclays, NatWest, Lendable, Virgin Money, MBNA, and Capital One across credit cards, personal and debt-consolidation loans, car finance, and (since the Acre Platforms acquisition in January 2026) mortgages, earning referral commissions on successful conversions.

The underlying technology combines consumer-permissioned credit bureau data with open banking transaction data to produce richer creditworthiness assessments, supported by AI/ML capabilities including the Caisey NLP chatbot, the Agentic Credit Broking Protocol (ACBP) — an open technical standard launched in April 2026 that defines how autonomous AI agents interact with regulated credit markets — and a consumer-facing ChatGPT app for credit education launched June 2026. The platform's lender-side integration infrastructure was strengthened through the January 2025 acquisition of Aro Finance (lender APIs), enabling the automated credit journeys that underpin ACBP, and the company also developed the "Clearer" debt-consolidation technology in partnership with Fair4All Finance, allowing direct settlement of consumer debts by lenders.

The revenue model is freemium at the consumer level — credit scores, reports, and basic Protect are free — with three monetization streams: affiliate referral commissions from lender partners for successful product placements, marketplace commissions across the multi-product comparison surfaces, and emerging data-monetization through open banking-derived consumer insights supplied to lender partners. ClearScore Technology Ltd. is authorised and regulated by the UK Financial Conduct Authority (FRN: 654446). The company is privately held, last valued at $700 million post-money following the June 2021 Invus Opportunities investment, and as of 2026 is in preliminary phases of preparing a London Stock Exchange listing at an industry-estimated £1.5bn-£2.5bn valuation. UK revenues reached £89.7 million in the year ending 2024 with £17.9 million pre-tax profit, and the company employed 101-250 staff across London headquarters and the Cape Town engineering hub established in 2026.

Name

ClearScore

Legal name

ClearScore Technology Ltd.

Website

https://clearscore.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

ClearScore is a UK-headquartered fintech operating a free consumer credit score platform and credit marketplace, connecting 26 million global users with 90+ lenders across cards, loans, car finance, and mortgages, monetized primarily through lender referral commissions.

Ownership category

akta.pro rank

Product category

Consumer Credit Brokerage / Credit Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Credit Bureaus (56145), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)

akta.pro secondary industry

Credit Score Monitoring & Credit Building (FSAGADAE)

Keywords

• Credit marketplace
• Credit scoring services
• Financial product comparison
• Identity protection services
• Personal finance platform

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Commission from Lender Partners: ClearScore acts as a credit broker earning commissions when users successfully apply for and take out credit products (loans, credit cards, car finance) through the platform. The company explicitly states: 'We are a credit broker, not a lender. We will receive a commission if you take out a product, but we never rank offers based on that.'
2. Marketplace Commission: The company operates a marketplace model connecting over 90 financial product lenders with consumers. Revenue is generated through referral fees and commissions from lenders who acquire customers through the platform.
3. Data Monetization (Open Banking Insights): ClearScore leverages its position as a leading financial data platform combining credit report data with open banking transaction data to provide richer consumer insights to lender partners, potentially improving risk assessment and enabling access to credit for underserved consumers.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

ClearScore is a credit broker and consumer financial marketplace that provides free, no-impact credit scores and credit reports, then matches users with credit cards, personal loans, car finance, mortgages, and debt consolidation products from a network of over 90 lender partners. The platform also offers free identity protection through ClearScore Protect and a paid Protect Plus premium tier, and uses Open Banking and AI tools (Caisey, ACBP, ChatGPT app) to broaden credit assessment and education for consumers including the financially vulnerable.

Product overview

ClearScore is a UK-based financial marketplace fintech offering a unified platform combining free credit score and report access with a multi-product credit marketplace. The core product includes credit score & report, Credit Health monitoring, and personalized offers for credit cards, loans, and car finance from 40-90+ lender partners. The platform is complemented by Protect (free identity protection) and Protect Plus (premium upgrade with insurance and 24/7 support), plus educational content through the Learn platform. Key AI capabilities include Caisey (AI credit expert), the Agentic Credit Broking Protocol enabling autonomous AI agents for regulated financial sales, and a ChatGPT app for credit education. ClearScore has expanded through acquisitions including Aro Finance (lender APIs), Acre Platforms (mortgage broker ecosystem), and Money Dashboard. The company serves 26 million users globally with 16 million in the UK, operating across multiple international markets.

Differentiator

Problem solved

Functional benefit

Brands

• Clearer: A debt consolidation loan technology enabling direct settlement of consumer debts, developed in partnership with Fair4All Finance to support financially vulnerable people in the UK.
• Protect
• Protect Plus
• Caisey
• Triple Lock Guarantee
• Credit Health

Products and services

• ClearScore Credit Score & Report Free, permanently accessible credit score, credit report and credit history for UK consumers, with soft-search eligibility checks that do not impact the user's credit rating. Foundational product driving user acquisition and marketplace conversion.
• Credit Cards Marketplace Credit card comparison and matching service connecting users with credit card offers from over 90 industry-leading lenders via the ClearScore marketplace, with Triple Lock Guarantee pre-approval visibility.
• Loans Marketplace Personal loan comparison marketplace featuring offers from up to 45 lenders, including personal loans, debt consolidation loans, guarantor loans, low interest loans, and secured loans; includes a loan calculator and Triple Lock Guarantee.
• Car Finance Marketplace Car finance comparison service offering personalised car finance offers from over 40 lenders, covering Hire Purchase (HP), Personal Contract Purchase (PCP), unsecured personal loans, and car refinance options.
• ClearScore Protect (Free Identity Protection) Free identity protection service that monitors credit reports for fraudulent activity (e.g., new accounts in the user's name), performs monthly dark web scans for stolen passwords, and provides weekly insights on credit report changes. Available to verified users at no charge.
• Protect Plus Premium Premium subscription upgrade to ClearScore Protect that offers daily credit report insights, enhanced monitoring, identity theft insurance up to £40,000, and 24/7 helpline support. Includes a 1-month free trial.
• Clearer Debt Consolidation Technology Debt consolidation loan technology developed with Fair4All Finance that enables direct settlement of consumer debts, allowing lenders to settle debts directly rather than disbursing funds first, reducing risk and expanding affordable credit access for financially vulnerable UK consumers.
• Acre Platforms (Mortgage Broker Platform) UK mortgage broker platform acquired January 2026, providing CRM, broker ecosystem and property data integrated with ClearScore's unsecured credit and auto finance offerings to deliver end-to-end mortgage journeys for brokers and consumers.
• Aro Finance (Lender API Infrastructure) Lender API infrastructure acquired January 2025 that provides the lender connectivity and technical backbone powering ClearScore's automated and AI-agent-mediated credit journeys under the Agentic Credit Broking Protocol.
• ClearScore ChatGPT Credit Education App Free, no-login consumer-facing ChatGPT application launched in the UK to help users understand credit concepts (affordability, credit checks, scam protection) before making financial decisions; positioned as a pre-ClearScore educational experience.

Quantifiable outcome

• Expected to expand access to loans by up to 160,000 consumers through Fair4All Finance partnership
• +4 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability9 records

Feature6 records

Partnerships

Five partnerships are on record, tiered minor and core.

• Zopa BankminorStrategic or Co-development Partner · 20 May 2026Joint leadership of Jobs2030 coalition aimed at upskilling 100,000 UK fintech workers in Generative AI disciplines by 2030. The 2026 curriculum launches with five courses for compliance, engineering, operations, and product management teams, hosted on the Zenarate platform.
• Aro FinancecoreTechnology or Integration · 10 April 2026Strategic acquisition in January 2025 provided lender APIs powering the Agentic Credit Broking Protocol (ACBP) system. Combined with Acre Platforms acquisition, these provide the technical infrastructure for automated credit journeys through AI agents.
• Acre PlatformscoreTechnology or Integration · 23 January 2026Acquired in January 2026 to accelerate ClearScore's entry into the mortgage market. Acre's CRM platform, broker ecosystem, and property data integrated with ClearScore's unsecured credit and auto finance offerings. The combined platform planned for international expansion to South Africa, Australia, New Zealand, and Canada.
• Fair4All FinancecoreStrategic or Co-development Partner · 11 July 2024Partnership to develop the 'Clearer' debt consolidation technology aimed at increasing access to affordable credit for financially vulnerable people in the UK. Fair4All Finance provided £3.4 million in funding and will subsidize loan fees for financially excluded individuals. The solution is expected to expand access to loans by up to 160,000 consumers.
• Multiple Financial Institutions (Lenders)coreChannel Partner/ Reseller/ Distributor · 11 July 2024ClearScore's marketplace connects consumers with over 90 financial product lenders including Santander, Tesco Bank, Barclays, Lendable, Virgin Money, NatWest, MBNA, and Capital One. Lenders pay commissions when users successfully apply for products through the platform.

Scale indicators12 records

Recent moves8 records

Expansion highlights7 records

Broad incumbents

• Equifax: Equifax is a major global credit bureau operating in the UK, providing the underlying credit data ClearScore relies on. It also offers direct consumer credit services and lender analytics that overlap with ClearScore's value proposition.
• NerdWallet: NerdWallet is a US-focused consumer finance content and comparison platform that drives consumer credit and lending decisions through editorial content plus marketplace monetization. It is a structural analogue for ClearScore's content-plus-marketplace model.
• Experian: Experian is a global credit bureau incumbent that also offers free credit score services to consumers in the UK and connects them with lending products. It competes both as a data source (ClearScore depends on bureau data) and as a direct consumer credit marketplace.
• TransUnion: TransUnion is one of the three major UK credit bureaus and increasingly offers direct-to-consumer credit education and matching services. Like Experian, it is both a data infrastructure provider for ClearScore and a potential competitor.

Direct peers

• Credit Karma: Credit Karma (owned by Intuit) is the closest direct peer in the UK and US, offering free credit scores, reports, and personalized financial product recommendations via a marketplace monetization model. ClearScore is often described as the 'UK's Credit Karma'.
• MoneySupermarket: MoneySupermarket is the UK's leading price comparison site for financial products including credit cards, loans, and insurance. It operates a similar commission-based marketplace model connecting UK consumers with lender offers.
• Compare the Market: Compare the Market is a UK price comparison platform covering credit cards, loans, and other financial products, monetizing via commission from providers. It is a direct competitor in the consumer credit comparison space.
• LendingTree: LendingTree operates a multi-lender loan and credit marketplace business model nearly identical to ClearScore's, originally in the US. Its UK operations (where active) compete head-to-head on the credit broker value proposition.

Emerging players

• MoneySavingExpert: MoneySavingExpert (Martin Lewis's site, owned by Monzo founder's group) provides free credit comparison tools and consumer finance guidance in the UK, with a strong editorial brand. It drives significant credit product intent and overlaps with ClearScore's user base.
• Zopa: Zopa is a UK digital bank that partners with ClearScore (Jobs2030 coalition) and operates in consumer lending, savings, and credit cards. As a ClearScore lender partner and fellow UK fintech, it represents both a partner and partial competitor for end-product distribution.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/clearscore
• YouTubeyoutube.com/clearscore
• Facebookfacebook.com/clearscore
• LinkedInlinkedin.com/company/9320086

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries3 records

Funding overview

Funding rounds7 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ClearScore