I followed the signing up protocol and gave my bank account details but afterwards I asked for a refund - which was granted - as I was unable to use the service as I planned. Customer service was resp... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I spoke with Isaac & he fully explained my report and mentioned what is stopping me from improving. He also answered any questions I had . I felt at ease speaking with Isaac & ended the conversation... See more
Company replied
Easy to use and very clear report. Used it for few months to better understand my rating and financial position. A bit pricey service for what it does. Spoke on the phone with Joe today who has been e... See more
Company replied
I had a confusion and fright with money coming off my account and no clue as to why. Luckily it was with a code which led me to call uk credit rating. GIUSEPPE was wonderful. Explaining everything... See more
Company replied
3.6
Average
2K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 95% of negative reviews
Typically replies within 1 month
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
I didn't even sign up for this
I didn't even sign up for this, I've now passed on the details to the bank who are checking for fraud, even trying to cancel it they want money, look my account up and cancel it else I'll take it further, youve taken 2 lots of money out within 3 weeks. Richard Blyth check my account
8 July 2026
Unprompted review
I spoke with Isaac & he fully explained…
I spoke with Isaac & he fully explained my report and mentioned what is stopping me from improving.
He also answered any questions I had .
I felt at ease speaking with Isaac & ended the conversation feeling pretty confident about my financial status.
29 June 2026
Unprompted review
Reply from UKCreditRatings
Hi Vee,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Great service
I had reason to call trans union and spoke with Louis who was so helpful, efficient and friendly. He explained all the questions I ask, altogether great service
16 June 2026
Unprompted review
Reply from UKCreditRatings
Hi Linda,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Michael, from the Customer Support Team was great…
I spoke to Michael Walker today regarding the fact that my Bank Account and Credit Card had been hacked.
I explained to him the problems I was having and my concern that it would reflex on My Credit Rating.
He was exceedingly helpful and reassuring.
Michael, looked up my Credit Rating and explained it to me in detail. He told me that our Credit Rating are updated the whole time depending on our spending habits.
Michael, gave me good advice on how I need to check My Accounts regularly to make sure I have not been hacked.
16 June 2026
Unprompted review
Reply from UKCreditRatings
Hi Joanne,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
They trick into signing for a 14-day…
They trick into signing for a 14-day trial, with no way to cancel it once you realise that you're not downloading your statutory report but signing for some scam scheme instead.
14 June 2026
Unprompted review
Customer Service (Louis) was great.
Louis, one of the advisors was absolutely fantastic. He helped me understand my credit score, how to improve it and all the confusing stuff around it.
Thanks a lot Louis 👍
3 June 2026
Unprompted review
Reply from UKCreditRatings
Hi Nathan,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
AVOID
Avoid
Watch Out for Hidden Subscription Charges
What appeared to be a simple, low-cost credit report turned into an expensive monthly subscription that I hadn’t realised I was signing up for.
After checking my bank statements, I discovered I had been charged £24.95 per month following a short trial period. By that point, two payments had already been taken. I immediately contacted customer services and explained that I had only wanted the initial report and had not used the service afterwards.
The company refused to issue a refund, stating that the subscription details were included during sign-up and that I could have accessed the service, regardless of whether I actually used it or not.
Unfortunately, my card provider was unable to recover the money, although they did help prevent any further payments from being taken.
My advice: read every screen carefully before entering your payment details, as what looks like a one-off purchase may actually be the start of a recurring subscription.
1 June 2026
Unprompted review
Reply from UKCreditRatings
Dear Zac,
We have asked you to confirm your personal details and email address to Trustpilot so we can verify that you were an active account holder, and that the information you have included within your review accurately reflects your experience, which you have declined to do.
Based on the username and public profile you have used within your online review, we are unable to identify you or an account that may have been created in your name.
To ensure our customers are never signed up unknowingly to the service we provide, we require the manual submission of an individual’s personal details, followed by the completion of a multi-step verification process where our terms must be agreed to before an account can be activated.
We clearly describe the nature of our Financial Monitoring service at the point of sale, including the free trial period end date and monthly subscription cost thereafter,
These details are further reiterated within a series of emails that we send to every customer at the very start of their free trial, providing a 14-day window in which to fully use the service and it’s benefits without limitation, and cancel without charge should the service not meet their expectations.
We always prefer to engage directly with customers and would value the opportunity of discussing the feedback you have provided within your recent review by inviting you to contact our customer support manager who will provide their fullest assistance in addressing any aspect of the service you feel did not meet with your expectations.
Our contact details can be found here:(https://ukcreditratings.com/credit/contact)
Kindest regards
UK Credit ratings support team
Money was taken out of my bank account…
Money was taken out of my bank account when I hadn’t taken out any subscriptions.i will be in contact with my bank regarding trying to get my money back.
29 May 2026
Unprompted review
Reply from UKCreditRatings
Dear Mr Bowjangles,
We have asked you to confirm your personal details and email address to Trustpilot so we can verify that you were an active account holder, and that the information you have included within your review accurately reflects your experience, which you have declined to do.
Based on the username and public profile you have used within your online review, we are obviously unable to identify you or an account that may have been created in your name.
To ensure our customers are never signed up unknowingly to the service we provide, we require the manual submission of an individual’s personal details, followed by the completion of a multi-step verification process where our terms must be agreed to before an account can be activated.
We clearly describe the nature of our Financial Monitoring service at the point of sale, ensuring customers can decide for themselves if the service will be of use to them prior to creating an account.
These details are further reiterated within a series of emails that we send to every customer at the very start of their free trial, providing a 14-day window in which to fully use the service and it’s benefits without limitation, and cancel without charge should the service not meet their expectations.
We always prefer to engage directly with customers and would value the opportunity of discussing the feedback you have provided within your recent review by inviting you to contact our customer support manager who will provide their fullest assistance in addressing any aspect of the service you feel did not meet with your expectations.
Our contact details can be found here:(https://ukcreditratings.com/credit/contact)
Kindest regards
UK Credit ratings support team
scammers
scammers. DO NOT involve yourself with this company. Never heard of them in my life but charged 25 out of my account randomly
27 May 2026
Unprompted review
Reply from UKCreditRatings
Dear Kanaan,
We have asked you to confirm your personal details and email address to Trustpilot so we can verify that you were an active account holder, and that the information you have included within your review accurately reflects your experience, which you have declined to do.
Based on the username and public profile you have used within your online review, we believe we have managed to locate the account you had recently created.
We believe that you posted your review on May 27th then sent an email to our support team to cancel your account which we actioned the following day, we had also issued a refund for the one month’s subscription that was debited from your account.
To ensure our customers are never signed up unknowingly to the service we provide, we require the manual submission of an individual’s personal details, followed by the completion of a multi-step verification process where our terms must be agreed to before an account can be activated.
We clearly describe the nature of our Financial Monitoring service at the point of sale, ensuring customers can decide for themselves if the service will be of use to them prior to creating an account.
These details are further reiterated within a series of emails that we send to every customer at the very start of their free trial, providing a 14-day window in which to fully use the service and its benefits without limitation, and cancel without charge should the service not meet their expectations.
We always like to engage directly with customers and would value the opportunity of discussing the feedback you have provided within your recent review by inviting you to contact our customer support manager who will provide their fullest assistance in addressing any aspect of the service you feel did not meet with your expectations.
Our contact details can be found here:(https://ukcreditratings.com/credit/contact)
Kindest regards
UKCreditRatings Support Team
Spoke to Michael who was very efficient…
Spoke to Michael who was very efficient and explained things very clear to me, pleasant and courteous so helpful.
20 May 2026
Unprompted review
Reply from UKCreditRatings
Hi Lorrayne,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Louis in customer service went over and…
Louis in customer service went over and above , advising me where to cancel the name attached to my credit report when my divorce is final . He offered this advice that I hadn’t thought about .
14 May 2026
Unprompted review
Reply from UKCreditRatings
Hi Katie,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Great experience with Luis
Great experience with Luis
Highly recommendable service
Thanks
12 May 2026
Unprompted review
Reply from UKCreditRatings
Hi Wisdom,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Scam Stay Away!
Misidentified themselves as selling a financial product directly. Have contacted the FCA to investigate. Complete scam.
3 May 2026
Unprompted review
Reply from UKCreditRatings
Dear Craig,
We have asked you to confirm your personal details and email address to Trustpilot so we can verify that you were an active account holder, and that the information you have included within your review accurately reflects your experience, which you have declined to do.
Based on the username and public profile you have used within your online review, we believe that we have successfully located an account under your name, which you cancelled two days after creating it.
To ensure our customers are never signed up unknowingly to the service we provide, we require the manual submission of an individual’s personal details, followed by the completion of a multi-step verification process where our terms must be agreed to before an account can be activated.
We clearly describe the nature of our Financial Monitoring service at the point of sale, ensuring customers can decide for themselves if the service will be of use to them prior to creating an account.
These details are further reiterated within a series of emails that we send to every customer at the very start of their free trial, providing a 14-day window in which to fully use the service and it’s benefits without limitation, and cancel without charge should the service not meet their expectations.
We always like to engage directly with customers and would value the opportunity of discussing the feedback you have provided within your recent review by inviting you to contact our customer support manager who will provide their fullest assistance in addressing any aspect of the service you feel did not meet with your expectations.
Our contact details can be found here:(https://ukcreditratings.com/credit/contact)
Kindest regards
UK Credit Ratings Customer Support Team
Enquired about a direct debit query Joe…
Enquired about a direct debit query Joe sorted straightaway. Quite informative too with helping.
30 April 2026
Unprompted review
Reply from UKCreditRatings
Hi Bob,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Reply from UKCreditRatings
Hi Hareesh,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Reply from UKCreditRatings
Hi Mev,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Absolute scammed
Absolute scammed, there are a few companies that do this. Charging people for services without making it clear they are charging. Scammed me for 2 months before I noticed. Customer service would not refund. Absolute scum.
23 April 2026
Unprompted review
Reply from UKCreditRatings
Dear Joseph,
We have asked you to confirm your personal details and email address to Trustpilot so we can verify that you were an active account holder, and that the information you have included within your review accurately reflects your experience, which you have kindly done.
To ensure our customers are never signed up unknowingly, we require the manual submission of an individual’s personal details, followed by the completion of a multi-step verification process where our terms and future subscription costs must be agreed to before an account can be activated.
Our website clearly describes the service we offer, the initial free trial period and subscription costs thereafter at the point of sign up.
These details are further reiterated within a series of emails that we send to every customer at the very start of their free trial, providing a 14-day window in which to fully use the service and it’s benefits without limitation, and cancel without charge should the service not meet their expectations.
We note that our original welcome email was successfully delivered a few minutes after you created your account and remains unopened, yet the email sent to you confirming the cancellation of your account has been received and opened on several occasions.
Customers can cancel at any time without charge, by email, telephone, live chat, SMS, Whats app, out of hours bot chat or directly via our cancellation link within our website footer.
Our Firms details appear next to each transaction on your bank statement, with a link to our extensive contact channels should you wish to cancel or query any payment.
As a gesture of goodwill, we had provided a refund for the two monthly payments you had made in respect of our services, we apologise if this was not communicated effectively to you.
We are disappointed that you have chosen to label our support team in such a derogatory manner and would value the opportunity of discussing the feedback you have provided within your recent review by inviting you to contact our customer support manager, who will provide their fullest assistance in addressing any aspect of the service you feel did not meet with your expectations.
Our contact details can be found here (https://ukcreditratings.com/credit/contact)
Kindest regards
UK Credit Ratings Customer Support Team
Caitlin was a great help
Caitlin was a great help, clear communication, very knowledgeable.
15 April 2026
Unprompted review
Reply from UKCreditRatings
Hi Lisa,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Thankyou so much for helping me…
Thankyou so much for helping me understand my credit report as it can be very scary when applying for a mortgage but the customer care was amazing and explained in full and put my mind at rest caitlin explained every section to me
13 April 2026
Unprompted review
Reply from UKCreditRatings
Hi Cerys,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Criminal company
Criminal company , exploiting vulnerable and poor people through clever and nefarious manipulation of the Google algorithms. Avoid 100 %
16 April 2026
Unprompted review
Reply from UKCreditRatings
Dear David,
We have asked you to confirm your personal details and email address to Trustpilot so we can verify that you were an active account holder, and that the information you have included within your review accurately reflects your experience, which you have declined to do.
Based on the username and public profile you have used within your online review, we believe we have managed to locate the account you had recently created.
Our website clearly describes the Financial Monitoring service we offer, the initial free trial period and subscription costs thereafter at the point of sign up. All customers must provide their personal information, including their payment details, and positively agree to the terms of our service through a series of tick boxes prior to their application being accepted and processed.
We are unable to replicate the search engine results and various web pages, including our own, that may have been presented to you based on the key words you have used within your search.
While we may appear in search results for financial queries, your chosen search engine provider, Google, determines which sites appear based on their own algorithms. We do not have control over the specific terms that Google chooses to associate with our listing or how they display them to you, neither do we manipulate them for our own gain.
We also have no control over the options and personal choices you make online, the websites you choose to visit and ultimately the services you choose to utilise, we are therefore understandably disappointed that you have chosen to label our firm as criminals.
We would value the opportunity of discussing the feedback you have provided within your recent review and invite you to contact our customer support manager who will provide their fullest assistance in addressing any aspect of the service you feel did not meet with your expectations.
Our contact details can be found here (https://ukcreditratings.com/credit/contact)
Kindest regards
UK Credit Ratings support team
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