What Is a Good Credit Score on ClearScore

What Is a Good Credit Score on ClearScore

If you’ve recently checked your credit score on ClearScore, you might be wondering what the number really means. Is your score good? Bad? Somewhere in between? And how does it compare to what lenders see?

ClearScore is a free credit reporting platform that uses data provided by Equifax, one of the UK’s main credit reference agencies. Unlike Experian or TransUnion, Equifax scores are shown on a scale from 0 to 1000 on ClearScore. In this article, we’ll explain what a good credit score is on ClearScore, how scores are calculated, and what you can do to improve your rating.

ClearScore and Equifax: How They Work Together

ClearScore doesn’t create your credit score — it provides access to your Equifax credit report. When you log into ClearScore, the number you see reflects your Equifax score based on information in your credit file. It updates every week and gives you a snapshot of your current credit health.

ClearScore also offers personalised insights, alerts, and suggestions to help you improve your score, based on your actual credit behaviour and borrowing habits.

What Is a Good Credit Score on ClearScore

ClearScore uses Equifax’s 0–1000 scoring system. The higher your number, the more creditworthy you appear. Here's how the scores are typically classified:

• 0–438: Very Poor

• 439–530: Poor

• 531–670: Fair

• 671–810: Good

• 811–1000: Excellent

So, a good credit score on ClearScore falls between 671 and 810, and anything above 811 is considered excellent. This puts you in a favourable position for most types of borrowing, such as loans, credit cards, car finance, and even mortgages.

What Does a Good Score Mean in Practice

Having a good credit score on ClearScore means you’re:

• Seen as a low risk by lenders

• Likely to be approved for mainstream credit products

• Eligible for better interest rates and higher credit limits

• In a strong position when applying for a mortgage, subject to income and affordability checks

However, it’s important to understand that lenders don’t use your ClearScore number directly. Instead, they look at the data in your Equifax credit report and apply their own internal scoring models. So while a good ClearScore score increases your chances of being approved, it’s not a guarantee.

What Affects Your ClearScore Credit Score

Your score on ClearScore (via Equifax) is based on the following factors:

• Payment history: Are you paying your bills and credit commitments on time?

• Credit utilisation: Are you using a high percentage of your available credit?

• Length of credit history: Older accounts help build trust.

• Types of credit: A mix of credit cards, loans and mobile contracts can help.

• Recent credit applications: Too many hard searches in a short time can lower your score.

• Public records: Things like County Court Judgments (CCJs), bankruptcies or IVAs will reduce your score.

• Electoral roll registration: Being registered to vote at your current address improves your score.

How to Improve Your ClearScore Rating

If your score is lower than you’d like, here are some steps to improve it:

1. Pay all bills and credit agreements on time — missed payments stay on your file for six years.

2. Keep your credit usage below 30% of your limit, especially on credit cards.

3. Avoid applying for multiple credit products in a short space of time.

4. Register on the electoral roll at your current address to help lenders verify your identity.

5. Check your report for errors and dispute any incorrect information.

6. Keep older accounts open where possible, as they contribute to credit history.

7. Use credit builder tools, such as credit cards for low limits or rent reporting services.

Real-World Example

Laura has a ClearScore rating of 750, which puts her in the Good range. She pays her credit card off in full every month, is on the electoral roll, and hasn’t applied for new credit in over a year. She was recently approved for a competitive-rate personal loan with no issues.

By contrast, Dan has a score of 520, falling into the Poor category. He has two missed payments from last year and regularly uses over 80% of his credit card limits. He applied for a car finance deal and was rejected. He now plans to reduce his balances and bring his score into the Good range over the next 6–12 months.

Is Your ClearScore Number the Same as What Lenders See

Not exactly. Lenders don’t use the ClearScore number directly. Instead, they review the underlying data from your Equifax file and apply their own approval criteria. That said, your ClearScore rating is still a useful tool — it reflects how well you’re managing your credit and where you stand in general terms.

If your score is Good or Excellent, you’re likely to be viewed favourably by many lenders. If it’s Fair or below, you may face higher interest rates or rejection and should take steps to improve it before making major applications.

Final Thought

A good credit score on ClearScore is between 671 and 810, and anything above 811 is considered excellent. This puts you in a strong position for credit applications, but remember: lenders also assess your income, spending, and overall affordability.

Your ClearScore rating is a helpful guide — not a definitive answer. The most important thing is to build and maintain good credit habits over time. By managing your borrowing responsibly, making timely payments, and keeping your credit utilisation low, you can improve your credit profile and access better financial opportunities.