What Is an Adverse Credit History?
An adverse credit history is a record of bad repayment history on one or more loans or credit cards. Adverse credit history will be reflected in a consumer’s credit report. It will lower their credit score and make it more difficult to get a loan or credit card with the best terms or even to be approved at all.

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Frequently asked questions
Find out more here about our range of services with these FAQs. Contact us if there’s anything else we can help you with.
If you have a low credit score, lenders may offer you a higher interest rate or could reject your application for a regular loan. With ClearScore, you can see your eligibility for loans based on your score. Checking your offers doesn't hurt your score, so you can apply with confidence.
Checking your loan offers on ClearScore will never harm your credit score. You can compare your loan deals in your Offers panel as often as you like, without affecting your score.
A soft search will occur when a lender assesses your eligibility for a product. Only you can see the soft searches on your credit report, and they have no impact on your credit score. A hard search is conducted by the lender after you apply for a credit product, which will leave a record on your report. It's common for a hard search to affect your credit score, but as long as you borrow responsibly the impact should be short term.
When you sign up to ClearScore you can see your credit score and credit report for free. We work with the UK's top lenders to offer our users market-leading deals on credit products. We may receive a commission if you take out a product with a lender. Find out more here.
Yes, we have established partnerships with some of the UK's top lenders and some of the deals we offer are exclusive to ClearScore customers. These are shown as 'Exclusive' in your Offers panel.
We bring you market-leading loans from a variety of lenders, including Lendable, Admiral, 118 Money, Zopa and Nationwide.