ClearScore has launched a consumer-facing app within ChatGPT, which it said will give UK users a new way to explore credit-related questions and financial scenarios before applying for products or sharing personal information.

The financial services platform said the new service aims to help users understand how credit works through conversational AI, allowing them to ask questions, test different financial scenarios and access educational content on topics such as affordability, credit checks, identity theft and fraud protection.

Unlike its core platform, ClearScore said, the ChatGPT app does not require users to create an account, log in or provide personal financial data. Instead, the app offers general guidance designed to help consumers build confidence and understanding before making financial decisions.

Users can ask questions about issues including how paying off debt affects a credit score, the difference between soft and hard credit searches, how lenders assess financial behaviour and what actions may help prepare for future credit applications.

The company stressed that the app does not provide personalised recommendations or access to personal credit information, focusing instead on education and guidance.

Justin Basini, co-founder and chief executive of the ClearScore Group, described the service as a "pre-ClearScore" experience that helps consumers take their first steps towards understanding credit.

"People are increasingly using AI assistants to help with decisions in real-time, asking open-ended questions, exploring 'what if' scenarios and building understanding through conversation – rather than searching for a single answer," he added. “That shift is changing how people learn about financial services, and it requires a new approach to supporting them."

The launch follows ClearScore's growing investment in AI technologies. In April, the company unveiled its Agentic Credit Broking Protocol, a proposed framework designed to help AI agents support consumers through credit-broking journeys.

ClearScore said it expects AI assistants to play an increasingly important role in how consumers research, understand and manage their finances, with the new ChatGPT app providing an early example of how financial services firms can engage customers through conversational AI platforms.

It is one of several financial services providers to launch apps compatible with the chatbot in recent months, following in the footsteps of NatWest, Aviva and Experian.

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