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ClearScore alternatives: 3 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll loan and credit card comparison sites

Top picks

Common reasons people leave ClearScore: UK report comes from Equifax only, not all three bureaus, and earns commission on products, so it constantly surfaces offers. We ranked 3 alternatives by how directly each one replaces ClearScore, then by reviews, real visits and how recently each app's facts were checked against its own website. Credit Karma currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Credit Karma logoCredit KarmaFree—NoWeb, iOS, Android5 of 568.8
2Experian logoExperianFree plan + paid$24.99/month after a 7-day trialNoWeb, iOS, Android7 of 764.8
3Bankrate logoBankrateFree—NoWeb5 of 559.4
  1. Credit Karma logo

    1. Credit KarmaTop pick

    Best for: US consumers who want free credit monitoring plus card and loan offers matched to their profile

    FreeWeb, iOS, Android

    68.8

    score / 100

    Why switch from ClearScore

    Also free in the UK, showing your TransUnion report and score with matched card and loan offers.

    Pros

    • Free credit scores, reports and monitoring alerts
    • Shows estimated Approval Odds before you apply for cards and loans
    • Free federal tax filing built in
    • Banking account with no monthly fees or minimums

    Cons

    • Paid by partners, so the app is full of product offers
    • Approval Odds are estimates, not a guarantee of approval
    • State tax filing costs extra
    Visit Credit Karma Details and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Credit Karma a good ClearScore alternative?

    Verified facts

    5 of 5 verified
    Founded
    2007
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Members
    140 million+
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Tax filing
    Free federal, $15 state
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Banking fees
    No monthly fees
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Lender offers
    30+ lenders
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
  2. Experian logo

    2. Experian

    Best for: US consumers who want their Experian report and FICO Score free, with optional paid identity protection

    Free plan + paidWeb, iOS, Android

    64.8

    score / 100

    Why switch from ClearScore

    Check your Experian score, the agency many UK lenders lean on, with free and paid report options.

    Pros

    • Free Experian credit report and FICO Score 8, no card required
    • Experian Boost can add utility and phone bills to your file
    • Paid plans cover all three bureaus and include ID theft insurance

    Cons

    • Free tier covers Experian data only, not Equifax or TransUnion
    • Paid trial needs a credit card and rolls into a monthly plan
    • Free experience includes card and loan offers
    • US only
    Visit Experian Details and reviews
    How this score is calculated
    Editorial fit ×0.387
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Experian a good ClearScore alternative?

    Verified facts

    7 of 7 verified
    Free credit report and score
    Yes, no credit card required
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Score model
    FICO Score 8
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Paid plan
    $24.99/month after a 7-day trial
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Identity theft insurance
    Up to $1 million
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    3-bureau monitoring
    Paid plans
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Premium plan
    $24.99 a month after a 7-day free trial
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Free trial
    7 days, credit card required
    Checked Nov 8, 2026experian.com(opens source in a new tab)
  3. Bankrate logo

    3. Bankrate

    Best for: US borrowers and savers comparing mortgage, CD, savings and loan rates before picking a lender

    FreeWeb

    59.4

    score / 100

    Why switch from ClearScore

    Better fit if you are in the US and mainly want to compare mortgage, savings and loan rates.

    Pros

    • Weekly rate surveys covering hundreds of banks and credit unions
    • Mortgage rate comparison without a credit pull
    • Broad coverage: mortgages, savings, CDs, cards and several loan types
    • Large library of calculators and lender reviews

    Cons

    • Only covers the US market
    • Paid by the lenders and issuers it lists, so rankings deserve a second look
    • No credit score or credit report monitoring of its own
    Visit Bankrate Details and reviews
    How this score is calculated
    Editorial fit ×0.369
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Bankrate a good ClearScore alternative?

    Verified facts

    5 of 5 verified
    Founded
    1982
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Lenders surveyed
    850+ banks and credit unions every week
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Credit check for mortgage quotes
    No credit pull required
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Business model
    Not a bank or lender
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Owner
    Red Ventures
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)

The best ClearScore alternative for…

The highest-ranked app in this list for each need.

Credit Karma logo

Best ClearScore alternative for most people

Credit Karma

Also free in the UK, showing your TransUnion report and score with matched card and loan offers.

Bankrate logo

Best ClearScore alternative for a free option

Bankrate

Better fit if you are in the US and mainly want to compare mortgage, savings and loan rates.

Experian logo

Best ClearScore alternative for a free plan you can upgrade

Experian

Check your Experian score, the agency many UK lenders lean on, with free and paid report options.

Credit Karma logo

Best ClearScore alternative for iPhone and Android

Credit Karma

Also free in the UK, showing your TransUnion report and score with matched card and loan offers.

Credit Karma logo

Best ClearScore alternative for working in the browser

Credit Karma

Also free in the UK, showing your TransUnion report and score with matched card and loan offers.

ClearScore alternatives: common questions

What is the best alternative to ClearScore?

Credit Karma ranks first right now. Also free in the UK, showing your TransUnion report and score with matched card and loan offers. Experian and Bankrate follow it in our ranking.

ClearScore vs Credit Karma: what's the difference?

Both ClearScore and Credit Karma are free to use. Both run on Web, iOS and Android.

Is ClearScore free?

ClearScore is free to use. Price: Free. Checked on ClearScore's own site, November 2026.

Is there a free alternative to ClearScore?

Yes. Credit Karma (free), Experian (free plan + paid) and Bankrate (free) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to ClearScore?

None of the 3 alternatives in this list is open source.

Why do people switch from ClearScore?

The complaints we hear most: UK report comes from Equifax only, not all three bureaus; earns commission on products, so it constantly surfaces offers; not available in the US.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces ClearScore, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.