Let’s build what’s next.
A free, no-obligation way to see the credit options you could be eligible for once your IVA completes — cards, loans and credit-building products from across our partner ClearScore's panel of lenders. You choose what, if anything, to do next.
- No obligation.
- Free to use.
- Soft search - no impact on your score.
ClearScore is a credit broker, not a lender. We don't give advice or recommendations. 18+, UK residents only. Subject to status and lender criteria. T&Cs apply.
Why this is different.
A standard price-comparison search doesn't always reflect where you'll stand once an IVA drops off your file. One eligibility check through ClearScore returns the range of products you could be considered for across their panel — credit cards, loans and credit-building products side by side — including lenders who work with people who've had credit difficulties. Nothing is pre-selected for you.
Let’s start
How ClearScore works?
Tell us a little about you
A quick, soft eligibility check that won’t affect your credit score.
Start small, build steadily.
You'll see a range of options — cards, loans and credit-building products — and which suits you depends entirely on your circumstances. That said, lenders look at how you've managed credit recently, so building a positive repayment record can help over time.
A credit builder card is designed for that: used carefully — a small, regular spend, paid off in full each month — it can demonstrate you're managing credit well, without the size of commitment a loan carries.
Credit builder cards typically carry higher interest rates than standard cards, so they're best suited to spending you can clear in full each month.
Rates, limits and terms vary by product and by lender, and depend on your circumstances. You'll see the actual rate and terms for every product before you apply — nothing is committed until you choose to go ahead.
What lenders look at.
Each lender sets its own criteria and makes its own decision. Checking your eligibility uses a soft search and won't affect your credit score. A full application later will involve a hard search, which lenders can see.
Your age
Income
Credit history
Existing debts
Repay ability
Questions, answered
Checking your options has no effect on your arrangement or your relationship with Ebenegate. If your plan is still running and you take out credit of more than £500, you need to tell your Insolvency Practitioner — so let Ebenegate know before you go ahead.
No effect on your arrangement with Ebenegate
Credit over £500 must be reported
Tell Ebenegate before you go ahead
No. An eligibility check uses a soft search, which isn't visible to other lenders and doesn't affect your score. If you go on to apply, the lender will carry out a full (hard) credit search, which is recorded on your credit file.
Uses a soft search only
Not visible to other lenders, no score impact
A later full application means a hard search
The service is free to you. If you take out a product through the panel, ClearScore receives a commission from the lender and CleanSlate receives a payment from ClearScore. This doesn't affect what you pay, and it doesn't influence the order in which products are shown.
Free to use, always
Lender pays ClearScore, ClearScore pays CleanSlate
Doesn't affect your cost or product ranking
The products across ClearScore's panel that you could be eligible for, based on your details — credit cards, loans and credit-building products, shown together with their rates and terms. It's your comparison to make: nothing is chosen or recommended for you, and you only proceed if you want to.
Products across ClearScore's panel you could be eligible for
Shown with real rates and terms, side by side
Nothing pre-selected. You choose whether to proceed
No. Eligibility results are an indication based on the information you give and the lender's criteria — they're not an offer. Each lender makes its own decision after a full application and affordability assessment.
It's an indication, not an offer
Based on your info and each lender's own criteria
Final call depends on a full application and affordability check
CleanSlate is a partner to a range of debt advice firms. We're not a lender, and we're not a credit broker either. We don't give advice on credit or make recommendations; we introduce you to ClearScore so you can compare products and decide for yourself.
A partner to a range of debt advice firms
Not a lender, not a credit broker
Introduces you to ClearScore so you can compare and decide yourself
The lender on the product you choose. CleanSlate is neither the lender nor the broker — we introduce you to ClearScore, the FCA-authorised credit broker that finds your options. Full details of our regulatory status are at the bottom of this page.
The lender behind the product you pick
ClearScore is the FCA-authorised credit broker that finds your options
Full regulatory status details are at the bottom of the page
Responsible Borrowing
This isn't about taking on more than you can manage
It's about rebuilding safely, one step at a time. The Ebenegate team, managing your insolvency arrangement, is there if you have any questions about your plan. If your arrangement hasn't completed yet, remember you need to tell your Insolvency Practitioner if you take out credit of more than £500 while your plan is running.
See your options quickly
A quick, soft check to explore cards and loans tailored for you.
Borrowing isn't right for everyone. Only borrow what you're confident you can repay. Missed or late payments can harm your credit score and make credit harder to get. Improvement isn't guaranteed and depends on your wider circumstances.