Log in Credit Score & Report Credit Cards Loans Managing Money Mortgages ClearScore Protect Insurance Lifestyle Featured MANAGING MONEY The pros and cons of 'buy now, pay later' credit Klarna, Clearpay, PayPal credit - these are all examples of 'buy now, pay later' schemes. But are they right for you? 24 Oct ∙ by Frankie J. ∙ 5 min read CREDIT SCORE & REPORT 4 reasons why your credit score hasn’t changed Has your credit score stayed the same? Here's 4 reasons why your credit score hasn't changed. 11 May ∙ by Hannah S. ∙ 4 min read CREDIT CARDS Four benefits of using a credit card this Black Friday 16 Nov ∙ by Jade H. ∙ 2 min read CREDIT SCORE & REPORT The new ClearScore: what's going to change and how will it help you? 15 Nov ∙ by Jade H. ∙ 1 min read CLEARSCORE PROTECT What is ClearScore Protect Plus? 5 Nov ∙ by Lucy B. ∙ 2 min read MANAGING MONEY What is a credit limit and how does it affect your credit score? 29 Sep ∙ by Jade H. ∙ 2 min read Credit Score & Report Get to grips with what your credit score and report are, where they come from and why they're so important. CREDIT SCORE & REPORT What is a good/bad credit score? Understanding what makes a good and bad credit score is the first step to being accepted for credit (and at the best rates). 2 min read CREDIT SCORE & REPORT How to improve your credit score in 10 easy steps We explain why your credit score might not be as high as you'd like it to be, and give you 10 simple steps to help you improve it. 3 min read CREDIT SCORE & REPORT Factors that affect your credit score 6 min read CREDIT SCORE & REPORT Credit report vs credit score: what’s the difference? 4 min read Credit Cards With hundreds of credit cards to choose from, our handy guides can help you narrow down your search. CREDIT CARDS How to pick the best credit card for you With hundreds of credit cards to choose from, read some top tips to help you pick the right credit card to suit your circumstances. 5 min read CREDIT CARDS Should I get a credit card or loan? Should I get a credit card or a loan? What amount of money should I borrow on a credit card or a loan? We look at why you’d want to choose one over the other 4 min read CREDIT CARDS Balance transfer cards explained 4 min read Loans From the different types of loan to making sure you get the best deal, it’s all explained here. LOANS How to get yourself the best rate on a loan How do you get the best rate on a loan? What are the things to consider when you're shopping around? Here are 6 tips to help you get the best rates on a loan. 5 min read LOANS Secured vs unsecured loans: which one’s right for you? Ever wondered about the difference between a secured loan and an unsecured loan? How do you know which loan is best for you? We explain all the pros and cons of secured and unsecur... 3 min read LOANS Busted: 5 biggest myths about taking out a loan 5 min read Meet our authors A combination of ClearScorers and expert personal finance journalists, our authors know the world of finance inside-out. Sophie Murray GLOBAL EDITORIAL MANAGER Sophie is our editorial expert who makes information about personal finance easier to understand. Andre Spiteri FINANCIAL WRITER Andre is a former lawyer turned award-winning finance writer. Hand crafted with ♥ in London Registered in England and Wales Company number 09221862 ICO ZA100119 VAT registration number 255 8953 58 Authorised and Regulated by the Financial Conduct Authority (FRN: 654446) ADDRESS Vox Studios, VG 203 1-45 Durham Street London, SE11 5JH, UK DISCOVER Sign up for free Log in About us Careers Learn Protect Get in touch Help ClearScore Australia ClearScore South Africa SOCIAL Facebook Twitter YouTube LinkedIn Privacy and Cookie Policy Terms and Conditions Anti Modern Slavery Statement © ClearScore Technology Ltd. All Rights Reserved. We use cookies to improve your experience. More info No problem