If you live in a developed country like the US or the UK, and want to get a financial product, chances are that the financial institution that you will be working with will look up your credit score. Traditionally, accessing your credit information is costly, and the credit report that you might get can be opaque.

ClearScore, a 3-year-old start up based in London, is here to change that. ClearScore offers consumers free access to their credit reports, gives them advice on how to improve their credit scores, and recommends suitable financial products. Recently, I spoke to Shafali Gupta, ClearScore’s Head of New Business development, to learn more about the company and the industry.