# Credit Score & Reports **URL:** \ **Category:** Feedback & Ideas\ **Created:** [July 1, 2020, 12:28pm UTC](https://community.emma-app.com/t/credit-score-reports/2395 "2020-07-01T12:28:36Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [July 1, 2020, 12:28pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/1 "2020-07-01T12:28:36Z")
We are collecting some Feedback. ๐Ÿ™‚ Would you love to see your Credit Score and Reports in Emma? Which agencies are you using? ---
**Author:** ![Rachelclem](https://avatars.discourse-cdn.com/v4/letter/r/e480ec/32.png) [@Rachelclem](https://community.emma-app.com/u/Rachelclem)\ **Post date:** [July 1, 2020, 1:32pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/2 "2020-07-01T13:32:45Z")
Yes ๐Ÿ‘Œ I use Clearscore. Not fussy about the rating agency. ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [July 1, 2020, 1:39pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/3 "2020-07-01T13:39:00Z")
> [@Rachelclem](#): > > I use Clearscore. Not fussy about the rating agency. So we stop using ClearScore. ๐Ÿ˜‰ ---
**Author:** ![Rw\_82](https://avatars.discourse-cdn.com/v4/letter/r/a88e4f/32.png) [@Rw\_82](https://community.emma-app.com/u/Rw_82)\ **Post date:** [July 1, 2020, 2:35pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/4 "2020-07-01T14:35:33Z")
Experian and ClearScore (Equifax) Would love to see credit score listed, along with a graph to show credit score compared to new worth ---
**Author:** ![caprotti](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/caprotti/32/62_2.png) [@caprotti](https://community.emma-app.com/u/caprotti)\ **Post date:** [July 1, 2020, 3:08pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/5 "2020-07-01T15:08:13Z")
All the three of them! ๐Ÿ™‚ ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [July 1, 2020, 4:16pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/6 "2020-07-01T16:16:31Z")
Ehehe, I guess we can start with 1. ๐Ÿ˜‰ ---
**Author:** ![grant.m](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/grant.m/32/2415_2.png) [@grant.m](https://community.emma-app.com/u/grant.m)\ **Post date:** [July 1, 2020, 9:51pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/7 "2020-07-01T21:51:59Z")
Experian. Most popular. ---
**Author:** ![caprotti](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/caprotti/32/62_2.png) [@caprotti](https://community.emma-app.com/u/caprotti)\ **Post date:** [July 1, 2020, 11:03pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/8 "2020-07-01T23:03:24Z")
Agreed. Experian seems the most used one. ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [July 2, 2020, 7:13am UTC](https://community.emma-app.com/t/credit-score-reports/2395/9 "2020-07-02T07:13:33Z")
They would never do it. ๐Ÿ˜‰ ---
**Author:** ![grant.m](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/grant.m/32/2415_2.png) [@grant.m](https://community.emma-app.com/u/grant.m)\ **Post date:** [July 2, 2020, 2:33pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/10 "2020-07-02T14:33:51Z")
Experian would never allow you to embed their credit score into your platform? ---
**Author:** ![garretcj](https://avatars.discourse-cdn.com/v4/letter/g/dec6dc/32.png) [@garretcj](https://community.emma-app.com/u/garretcj)\ **Post date:** [July 3, 2020, 7:26pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/12 "2020-07-03T19:26:11Z")
Credit Karma or totally money - theyโ€™re pretty identical As well as clearscore and Experian ---
**Author:** ![Rw\_82](https://avatars.discourse-cdn.com/v4/letter/r/a88e4f/32.png) [@Rw\_82](https://community.emma-app.com/u/Rw_82)\ **Post date:** [July 3, 2020, 8:33pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/13 "2020-07-03T20:33:41Z")
Experian has been integrated into the Barclaycard card app very well, and is also the reference agency used for the MSE credit club website ---
**Author:** ![grant.m](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/grant.m/32/2415_2.png) [@grant.m](https://community.emma-app.com/u/grant.m)\ **Post date:** [July 3, 2020, 9:53pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/14 "2020-07-03T21:53:31Z")
@edoardomoreni ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [July 4, 2020, 9:59am UTC](https://community.emma-app.com/t/credit-score-reports/2395/15 "2020-07-04T09:59:20Z")
> [@jase](#): > > They would. At my company we have integrations with Experian and TransUnion and itโ€™s all just about the agreement you have with them. They would do it for businesses. For consumers, the only credit agency that doesnโ€™t have a product which could directly compete with Emma is TransUnion. ๐Ÿ™‚ ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [July 4, 2020, 9:59am UTC](https://community.emma-app.com/t/credit-score-reports/2395/16 "2020-07-04T09:59:42Z")
> [@garretcj](#): > > Credit Karma or totally money - theyโ€™re pretty identical They both use TransUnion. ๐Ÿ˜‰ ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [July 4, 2020, 10:00am UTC](https://community.emma-app.com/t/credit-score-reports/2395/17 "2020-07-04T10:00:11Z")
I think, for Emma, we can have Credit Score in the Feed and then add Reports later on in Emma Pro or similar. ๐Ÿ™‚ ---
**Author:** ![Rw\_82](https://avatars.discourse-cdn.com/v4/letter/r/a88e4f/32.png) [@Rw\_82](https://community.emma-app.com/u/Rw_82)\ **Post date:** [July 4, 2020, 5:06pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/19 "2020-07-04T17:06:09Z")
Is it relevant if the provider have their own platforms/competition? The benefit of having a credit rating integrated with Emma would be the ability to compare trends and patterns in credit rating vโ€™s net worth, spending and debt repayment habits. ---
**Author:** ![ChrisT](https://avatars.discourse-cdn.com/v4/letter/c/8e8cbc/32.png) [@ChrisT](https://community.emma-app.com/u/ChrisT)\ **Post date:** [July 5, 2020, 8:07am UTC](https://community.emma-app.com/t/credit-score-reports/2395/20 "2020-07-05T08:07:43Z")
I use all three UK credit reference agencies on a regular basis. But the monthly free versions. Clearscore, Credit Karma and Credit Club for Equifax, Trans Union and Experian respectively. They do give different information and have different credit providers listed which is why i use all three. ---
**Author:** ![Gchif](https://avatars.discourse-cdn.com/v4/letter/g/9f8e36/32.png) [@Gchif](https://community.emma-app.com/u/Gchif)\ **Post date:** [July 5, 2020, 12:42pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/21 "2020-07-05T12:42:00Z")
Clearscore ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [July 5, 2020, 12:42pm UTC](https://community.emma-app.com/t/credit-score-reports/2395/22 "2020-07-05T12:42:23Z")
> [@Rw\_82](#): > > Is it relevant if the provider have their own platforms/competition? Some providers wouldnโ€™t offer the score, if they have a competing product. [Next page](https://community.emma-app.com/t/credit-score-reports/2395.md?page=2)