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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
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.
Scam artists
THIS IS A CRIMINAL ENTERPRISE.
When you google a loan they come up appearing as a loan provider but they are not.
They are a scam artist company that takes money for a service other companies provide for free, they really are the lowest of the low.
Every single employee there is a criminal and deserves a long prison sentence - nasty evil company exploiting people.
April 4, 2026
Unprompted review
Reply from UKCreditRatings
Dear Southern Northener,
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.
All visitors to our website are made clearly aware of the Financial Monitoring service we offer, the initial free trial period and subscription costs thereafter at the point of sign up, and 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.
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.
Our mail server logs confirm these emails were successfully delivered to your inbox and opened the day after you created your account.
Our system also shows that you, or an individual with full access to your credit history, successfully completed your Knowledge based authentication by answering a series of questions based on your financial history for the last six years from our Credit bureau partner in order to access your full credit report within our online secure portal.
You also changed the payment preference method by electing to make your subscription payments following the free to use 14 day trial via direct debit, and accepted our invitation to take advantage of the various benefit and discount services included within our free trial.
You cancelled your account the following day via email, no subscription payments were ever collected from you in respect of our services.
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.
We are understandably disappointed that you have chosen to leave a poor review, labelling our firm and those who work hard to help customers 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.
Kindest regards
UK Credit Ratings support team.
Isaac was extreamly helpful and…
Isaac was extreamly helpful and informative. He was polite and easy to talk with
April 2, 2026
Unprompted review
Reply from UKCreditRatings
Hi John,
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
Tailored advice.
The adviser I spoke to Isaac, was very friendly and helpful. He tailored the advice precisely to what I needed. This was followed up by email. I am pleased I sought the advice.
April 2, 2026
Unprompted review
Reply from UKCreditRatings
Hi William,
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
Really useful an easy to understand…
Really useful an easy to understand when there's lots to see/take in which can be overwhelming, exactly what I needed it for and Caitlin super helpful !!
March 31, 2026
Unprompted review
Reply from UKCreditRatings
Hi Matthew,
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
Quick and easy to cancel
Quick and easy to cancel. Louis helped me very quick and efficient.
March 25, 2026
Unprompted review
Reply from UKCreditRatings
Hi Gabbie,
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
Beware these are the worst companys you…
Beware these are the worst companys you will think you are getting a loan but that couldn't be more far from the truth they will actually do the opposite and take money from your bank for signing up to them they like to trick people thinking you are just about to get a loan so you put in your bank account details then you are signed up with them and they will charge you £29 a month luckily I didn't sign up with them because I noticed in small print that they will charge you £29
March 28, 2026
Unprompted review
Reply from UKCreditRatings
Dear Corey,
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 single username and public profile you have used within your online review, we have been unable to locate an account or email correspondence under your name.
Our website clearly describes the Financial Monitoring service we offer, the initial free trial period and monthly subscription costs thereafter at the point of sign up.
We are pleased to see that these details were made clearly apparent to you and that you decided against using our service accordingly.
We are understandably disappointed that you have chosen to leave a poor review without experiencing the free to use trial service first hand.
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 Customer Support Team
Reply from UKCreditRatings
Hi Akshar,
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
The reason is that i could easily…
The reason is that i could easily cancel my subscription thank you for that
March 23, 2026
Unprompted review
Reply from UKCreditRatings
Hi Julie,
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
I rang earlier today and Isaac has been…
I rang earlier today and Isaac has been really helpful with explaining everything and resolved my issue very quickly. Outstanding customer service, thank you again 😊
March 13, 2026
Unprompted review
Reply from UKCreditRatings
Hi Megan,
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
Never heard of them in my life and…
Never heard of them in my life and certainly didn't sign up to nothing so why on earth had £25 came out on my bank from yous along with a direct debit set up too I want refunding and putting yous down as fraud
March 13, 2026
Unprompted review
Reply from UKCreditRatings
Dear Cheryl,
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 have been unable to locate an account under your name.
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 must be agreed to before an account can be activated.
Our service is a subscription-based model that begins after a free trial period, 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.
Customers can cancel by email, telephone, live chat, SMS, Whats app, out of hours bot chat or directly via our cancellation link within our website footer.
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 Customer Support Team
Only have good things to say about my…
Only have good things to say about my experience with their customer service, I also appreciated that I didnt feel rushed when asking what was probably the same question multiple times. Thank you Catlin !
March 10, 2026
Unprompted review
Reply from UKCreditRatings
Hi Dominica,
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
Another scam scheme driving you into…
Another scam scheme driving you into direct debit tha cant be cancelled. Their menu is meant to be confusing and to not give you the options to opt out.
March 7, 2026
Unprompted review
Reply from UKCreditRatings
Dear Aleksey,
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.
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 must be agreed to before an account can be activated.
Our service is a subscription-based model that begins after a free trial period, 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.
Customers can easily cancel by email, telephone, live chat, SMS, Whats app, out of hours bot chat or directly via our cancellation link within our website footer.
We note that you chose to cancel through our out of hours bot chat the day your account was created, as this was a Saturday, your cancellation request was actioned two days later, our system shows that no subscription payments were ever successfully collected from your account.
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 Customer Support Team
Excellent and patient support from Louis.
I had a telephone consultation with Louis from the UK Credit Ratings and he was extremely helpful, I'm not very confident with computers, but he patiently guided me step by step through what I needed to do on my screen.
Louis was very kind, calm and clear in his explanations, and he took the time to make sure I understood everything. What could have been quite confusing for me was much easier because of his patience.
Excellent customer service and very much appreciated.
March 4, 2026
Unprompted review
Reply from UKCreditRatings
Hi Eunice,
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
i sited that money was taken from my…
i sited that money was taken from my account without my authorisation, i emailed them dierctly and a confirmation email was recieved advising thata refund will be issued with 10 days. at least the money will come back to me. matter resolved.
March 4, 2026
Unprompted review
Reply from UKCreditRatings
Hi Alicia,
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
Scammed
Just noticed I’ve been charged £29.95 a few weeks ago from this company and they set up a direct debit for this £29.95 to be taken monthly. I have never even heard of them and definitely didn’t sign up for this. I would like my money back.
February 11, 2026
Unprompted review
Reply from UKCreditRatings
Dear Jake,
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 have been unable to locate an account under your name.
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 must be agreed to before an account can be activated.
Our service is a subscription-based model that begins after a free trial period, 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.
Customers can cancel by email, telephone, live chat, SMS, Whats app, out of hours bot chat or directly via our cancellation link within our website footer.
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 Customer Support Team
Superb.
Louis help and support was superb. He was able to assist me with my query and the result was great. I was able to cancel my account without any problem. Louis was such a pleasant and very helpful customer support member of staff. It is a shame you do not get that kind of service from many other companies. He deserve this 5* rating.
February 19, 2026
Unprompted review
Reply from UKCreditRatings
Hi Una,
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
Great service. Joe on the helpdesk was very helpful and helped me solve my issue immediately.
February 20, 2026
Unprompted review
Reply from UKCreditRatings
Hi Yeasin,
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
Caitlin was super helpful and made it feel a lot less stressful!
I was very happy with the patience Caitlin had when listening to my complicated problem I had with my report, she really helped me understand and took her time. She explained everything clearly so that I didn't feel as stressed about the whole thing.
February 18, 2026
Unprompted review
Reply from UKCreditRatings
Hi Brontë,
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
I was unaware I was subscribed to the…
I was unaware I was subscribed to the service and had never heard of it, sent one message and got the subscription cancelled and pending a refund apparently. No complaints
February 18, 2026
Unprompted review
Reply from UKCreditRatings
Hi Affff,
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
BEWARE!!!
BEWARE!!!
If it were possible to give a 0 rating, I would. This UK Credit Ratings is a confirmed scam. I did not sign up for any direct debits. They took my money, and they will even confirm to you the devices you used to log in and the VPN. They are scammers and internet hackers.
December 1, 2025
Unprompted review
Reply from UKCreditRatings
Dear Linda,
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.
Based on the name you have provided, we believe we have located the account that was recently created with UK Credit Ratings.
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 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. 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.
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 from our records that no subscription payments were ever successfully collected from your account.
Due to the sensitive nature of the information accessible through our service, we carry out a comprehensive series of security checks, including details of the device browser used by individuals to access our service and their IP address. Most online financial organisations operate a similar process in order to protect an individual’s personal data and the integrity of their systems.
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 Customer Support Team
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.