
ClearScore is a free online service that helps South Africans check and understand their credit score. It gives you access to your credit report, score history, and credit offers, all in one place. Many people use ClearScore to stay on top of their credit health, especially when planning to apply for loans, credit cards, or other types of credit. With more lenders focusing on credit scores before making a decision, knowing where you stand can help you make better financial choices.
At a glance, ClearScore South Africa gives individuals free access to their credit reports and scores, along with personalised credit offers and tools to manage credit health — all powered by Experian data. If you’re looking to stay informed about your credit profile, compare loan or credit card options, or take steps to improve your score, keep reading to find out how ClearScore works and whether it’s the right tool for your financial needs.
ClearScore South Africa: Quick Overview
Service type: Free credit reports, credit scores, and personalised credit offers
Access: Ongoing free access via www.clearscore.com/za or the mobile app
Eligibility: South African ID, 18 years or older
Fees: Completely free – no trial periods or subscription charges
Additional services: Credit coaching, dark web monitoring (ClearScore Protect), pre-approved loan and credit card offers
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ClearScore Full Review
What Makes ClearScore’s Services Unique?
ClearScore sets itself apart by offering completely free access to your credit score and report, without any trial periods or hidden fees. Unlike some other services that charge a monthly fee or limit how often you can check your score, ClearScore allows users to log in as often as they like. Your credit report is updated every week, giving you regular insight into your credit standing. This makes it easier for users to track changes and spot errors quickly. The platform is also user-friendly and works well on both desktop and mobile, making it simple to view your score, read through your credit accounts, and check for any new updates.
Another unique part of ClearScore is the way it combines credit insights with personalised credit offers. Based on your credit profile, the platform shows you offers from lenders that may suit your financial situation. These include personal loans, credit cards, and other credit products available in South Africa. While these offers are optional, they can help users who are actively looking for credit options that match their current score. ClearScore also includes a coaching feature that gives you tips on how to improve your credit score step by step. These tips are personalised, practical, and easy to follow, which can be helpful for people who are trying to build or repair their credit.

Types of Services Offered by ClearScore
ClearScore South Africa provides a range of free credit-related services aimed at helping people understand and manage their credit profile better. These tools are designed for different purposes, from checking your credit score to improving it over time.

Free Credit Reports and Scores
ClearScore gives you free access to your credit report and score, updated weekly. This is useful if you want to see how lenders may view your credit profile before you apply for any type of credit. Your credit report shows account history, missed payments, defaults, and enquiries from lenders. This helps you spot errors, track your progress, and stay in control of your financial history. You can log in at any time to view your report without affecting your score.
Not sure whether your credit score is hitting the mark? Understand what lenders are really looking for and how your numbers stack up. Check out what is considered a good credit score to see how your Clearscore rating compares.

Credit Offers Matched to Your Profile
Based on your credit history, ClearScore shows you financial products that may suit your score and needs. These include personal loans, credit cards, and debt consolidation offers. You don’t have to apply for any of them, but they can help you compare your options without searching manually. This is especially useful if you’re looking for credit that matches your profile and are trying to avoid rejection due to low chances of approval.
If you’re juggling multiple debts, get clarity on your options with our deep dive into debt consolidation vs debt settlement and choose the strategy that best suits your financial goals.

ClearScore Coaching
ClearScore Coaching gives you tailored tips to improve your credit score. The advice is presented in simple tasks, such as reducing your credit use or paying on time. This feature is helpful for people who are new to credit or want to improve a low score. It shows you where you stand and what to do next in a way that’s easy to understand.

ClearScore Protect
This service monitors whether your personal details, like passwords or ID numbers, have been found on the dark web. If anything suspicious is detected, ClearScore will alert you so you can take action quickly. This feature adds a layer of identity protection, which can reduce the risk of fraud. It’s especially useful if you often use online platforms or have concerns about your data being exposed.
Requirements for a ClearScore Service
Signing up for ClearScore is simple and does not require many documents. Since ClearScore is not a lender, you don’t need to upload financial statements or proof of income to use the platform. To register, you only need:
- Your South African ID number
- Basic personal details like your name, date of birth, and contact information
- A valid email address to create your account
- A secure password for logging in
ClearScore will also ask a few questions about your credit history to verify your identity. These questions are based on information in your credit report, such as old loans or account details. Once you answer them correctly, your account will be set up and ready to use.

Simulation of a ClearScore Service
- Go to www.clearscore.com/za
- Click on “Sign up for free”
- Enter your email address and create a password
- Fill in your name, ID number, and date of birth
- Answer identity verification questions
- Log in to view your credit score and report
Who Is ClearScore Best For?
ClearScore is best for individuals in South Africa who:
- Want free, ongoing access to their credit report and score
- Are working to improve or monitor their credit health over time
- Are planning to apply for loans, credit cards, or consolidation offers
- Prefer an easy-to-use online platform with no paperwork or fees
- Appreciate personalised credit offers based on their current credit profile
Is ClearScore South Africa a Safe and Reliable Option?
Yes. ClearScore is a trusted platform in South Africa that provides free access to your credit report and score using data from Experian, a registered credit bureau under the National Credit Regulator (NCR). Although ClearScore is not a lender and does not offer credit directly, it presents verified credit information and personalised offers from third-party financial institutions.
ClearScore uses secure systems to protect your personal information. Your data is encrypted, and access is granted only after a successful identity verification process. This ensures that your credit profile remains private and protected while you manage your financial information online. You can learn more or sign up at www.clearscore.com/za.
How Long Does It Take to Receive My Credit Report Request from ClearScore?
Setting up your ClearScore account and viewing your credit report can be done in less than 10 minutes. The process is instant once your identity is verified. For loan or credit offers, the time it takes to complete an application will depend on the third-party lender you choose.
Most lenders shown on ClearScore offer quick online applications and fast decisions. Some give feedback in minutes, while others may take a day or two if they need extra documents. The speed of your service may be affected by:
- Your credit profile
- The amount requested
- How quickly you provide any required documents
- The lender’s internal process
How Do I Pay for My Credit Report Request from ClearScore?
ClearScore is completely free to use. You don’t need to pay to view your credit report or get personalised credit offers. There are no monthly fees, subscription charges, or once-off payments to access any of their features.
However, if you choose to accept a loan or credit offer shown on ClearScore, you will enter into an agreement with a third-party lender. That lender will have their own repayment terms, interest rates, and possible fees. You’ll need to check the offer details carefully before applying.
ClearScore does not charge you anything for using the platform, and there are no penalties for not accepting any offers. It earns money through partnerships with lenders when users take up credit offers through the site.
ClearScore – Overview in Detail
Name | ClearScore |
---|---|
Financial Institution | Not a lender; works with various credit providers |
Product | Free credit score and report access; personalised credit offers |
Minimum Age | 18 years |
Maximum Credit Limit | Set by partner lenders based on income and creditworthiness |
APR (Annual Rate) | Varies by lender and credit profile |
Monthly Interest Rate | Set by lender; regulated under the National Credit Act (NCA) |
Early Settlement | Based on lender terms |
Repayment Flexibility | Depends on lender; may include full, minimum, or budget repayment options |
NCR Accredited | Yes – NCRCB028 |
Our Opinion | ✅ Free access to credit data and coaching tools ✅ Tailored loan and credit card offers ⚠️ Limited to Experian data only |
User Opinion | ✅ Simple app interface with regular updates ⚠️ Some users note differences from other credit bureaus |
Pros and Cons of Using ClearScore South Africa
Here’s a simple breakdown of the strengths and weaknesses of using ClearScore:
Pros of Clearscore
- Completely free to use with no hidden fees
- Weekly credit report updates from Experian South Africa
- Easy-to-use interface on both mobile and desktop
- Personalised loan and credit offers based on your credit profile
- Helpful credit coaching tools to improve your score
- Dark web monitoring available through ClearScore Protect
- Does not affect your credit score when you check your report
Cons of Clearscore
- Only uses data from Experian (not from TransUnion or Compuscan)
- Limited customer support options (no phone support)
- Some offers may favour partner lenders, not necessarily the best deals available
- No way to apply directly for credit from ClearScore – only through third-party lenders
- Cannot correct credit report errors directly through ClearScore
Customer Service
If you have more questions or run into issues while using ClearScore, the platform offers support through its Help Centre, which covers topics like account setup, credit score explanations, and troubleshooting. You can submit a request or query online, but there is no live chat or phone number available for direct help.
For more support or to contact ClearScore, you can visit their official website at www.clearscore.com/za and navigate to the Help section at the bottom of the page. You’ll be able to browse articles or submit a ticket if you need personalised help.
Contact Channels
ClearScore South Africa’s contact details are as follows:
Phone number:
Office: 0861 10 56 65
Email:
help.za@clearscore.co.za
Postal address:
Central Office Park No. 4, 257 Jean Avenue, Centurion, Gauteng, 0157, South Africa

Online Reviews of ClearScore
ClearScore generally receives positive reviews from South African users who appreciate the platform’s simplicity and free access to credit information. Many users mention that they like being able to check their credit score without affecting it and that the interface is easy to understand. Others find the personalised offers helpful when comparing loan or credit options.
On the Google Play Store, ClearScore South Africa has thousands of reviews, with many users giving it high ratings for being reliable and informative. The app is popular for its clean layout and regular updates. However, some users express concerns about limited customer support and occasional delays in updates. A few also mention that not all offers seem relevant or that credit scores do not always match those shown by lenders, especially those using a different credit bureau.
Overall, most users seem satisfied with the service, especially given that it is free and provides regular credit report access.
No problems thus far. Details up to date and correct. Nice to have access to my financial status and knowing what needs improvement. Highly recommended.
Best Company that helps me to improve my financial records.
Bad experience I’m having only by resetting my password as I’m blocked and unable to login to my profile.
Information showing on my credit report of a provider that I do not take note of. Never signed up for any credit with them.
Alternatives to ClearScore
While ClearScore is widely used in South Africa, there are other services that offer similar features. These platforms also allow you to check your credit score, apply for credit, or monitor your credit report.
Comparison Table
Feature | ClearScore | TransUnion | My Credit Check | Experian (direct) |
---|---|---|---|---|
Free to Use | Yes | Limited (free + paid) | Yes | Yes |
Credit Bureau Source | Experian | TransUnion | Experian / Compuscan | Experian |
Update Frequency | Weekly | Monthly or on request | Monthly | Varies |
Personalised Offers | Yes | No | No | No |
Mobile App | Yes | Yes | No | No |
Coaching or Tips | Yes | No | No | Limited |
Customer Support Options | Limited (online only) | Phone and online | Online only | Online only |
History and Background of ClearScore
ClearScore was launched in the United Kingdom in 2015 and later expanded into other markets, including South Africa. The service was introduced in South Africa to provide free access to credit reports and scores, helping consumers better understand their financial position.
ClearScore South Africa works with Experian, one of the largest credit bureaus in the country, to provide accurate credit data to users. Since launching locally, it has gained a strong user base due to its clear design, useful tools, and completely free service model.
The company’s mission is to help people gain control over their credit and make better financial decisions. It aims to make credit information simple and accessible for everyone, especially in a country where many people are still learning how credit scores work. Its vision is to become a trusted partner in financial wellbeing by offering tools that promote credit awareness, financial literacy, and responsible borrowing.
Conclusion
ClearScore is a helpful and easy-to-use platform for South Africans who want to stay informed about their credit health. It offers free, weekly access to your credit score and report, along with personalised offers and practical tips to improve your credit profile. While it has some limitations, such as using only Experian data and offering limited customer support, the overall value is strong—especially since all features are free. For anyone looking to track their credit score, spot errors, or explore loan options without pressure, ClearScore is a practical tool worth considering.
Frequently Asked Questions
Yes. ClearScore is 100% free to use. You can check your credit score, view your report, and access offers without paying anything.
No. Checking your credit report through ClearScore is a soft enquiry and does not impact your score.
Your credit report and score are updated weekly using data from Experian South Africa.
You cannot apply for a loan directly from ClearScore, but you can view personalised offers and apply through partner lenders.
If you notice incorrect information, you will need to contact Experian South Africa directly to dispute or correct the error.