Get an overview of your finances, tips to improve your score, and compare offers from lenders. All in one place.
Get a clear view of your finances
Our straightforward report helps you understand exactly where you are, and checking it will never harm your score.
Achieve your goals
Get updates about what's changed on your report and what's affecting your credit score so you know how to improve it.
Feel confident about applying
Compare as many offers from lenders as you like, all without impacting your credit score.
It takes more than a good credit score to access good credit. For that, you need to get credit healthy. See yourself through a lender's eye and understand the bigger picture of your financial journey.
Get my credit score
Simplify life's big decisions
Your credit history can unlock a lot of doors. From accessing credit to getting a home, know where you stand with your score and report. Sign up to ClearScore and get a complete overview of your finances.
Boost your approval chance
Get personalised insights to improve your credit score. A better score can mean better offers - like a lower interest rate on a loan or a higher limit on a credit card.
Apply with confidence
Discover personal loans, credit cards and car finance offers from some of NZ's most trusted lenders. Compare key features such as interest rates, limits, and benefits, and explore your options without harming your credit score.
Know your identity is safe
Signing up to ClearScore gives you automatic access to Protect. We'll look for any stolen passwords connected to your email address and keep you informed, so you can feel safe knowing your identity is protected.
Improve your credit score with monthly insights
Every time you check your report, you can review up to 8 personalised insights, all designed to help you improve your score (or keep it on track), so you could start seeing better offers.
View your credit limits
We break down your accounts into simple categories: credit cards, loans and more. Just select one to see details of what credit you have available, including your current limit.
Join the people who already trust ClearScore to help them improve their financial future.
Sign up for freeYour credit score is a number out of 1000. It’s based on your credit report, which is a record of how you’ve managed credit in the past. We give you both of these for free, making it as easy as possible for you to start improving it.
Checking your credit score means you can take steps to improve it. This means you're more likely to be accepted for your next credit card or loan and get better deals. But there are two other great benefits to checking your score. You can:
Correct mistakes on your report
Sometimes credit bureaus have wrong information about you, which can harm your credit score. Easily fix any mistakes so you're in the best position when you apply for credit.
Make sure nobody has stolen your identity
Your report shows you if any fraudsters have opened up cards or loans in your name. If they have, you can contact your lenders and the authorities. You can also use ClearScore Protect, our dark web scan, to look after your identity online.
The higher your credit score, the more likely you are to be eligible for a credit card or loan. You could even get lower interest rates after improving it. Make the most out of ClearScore with three simple steps:
No. We will never do anything to impact your credit score.
When you sign up to ClearScore, you can see your credit score and report for free. We show you a range of credit offers across credit cards and loans from our lender partners, so you can compare options in one place. We receive a commission if you take out a product with one of our lender partners.
No - checking loan or credit card offers on ClearScore will never harm your credit score.
