See which agency is behind each service, what is free and where paid extras or trials apply.
Reviewed 12 October 2026 · Links for reference, not recommendations
You don’t need a paid subscription to see a statutory credit report. Providers may ask you to create an account and verify your identity on their own websites.
ProviderAvailable freePaid extras and conditionsOfficial site
ClearScore
Agency: Equifax
Available free
Credit report and score
Paid extras and conditions
Optional paid Protect Plus subscription adds daily updates and identity protection. See ClearScore for current pricing.
A service showing Equifax information won’t automatically show what Experian or TransUnion hold. Two services using the same agency are not two separate checks.
Before signing up, check how the service uses your data, any product offers it shows and the terms of optional subscriptions. A free trial is not the same as a service that stays free.
Recent score changes
Experian now uses a 0–1,250 scale. TransUnion announced a 0–999 scale in August 2026, but a partner’s app may still show the previous 0–710 scale. Check the scale shown in your own account. Optional subscription prices change often, so we link to each provider rather than quote them.