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.
Spoke to Joe
Spoke to Joe, he was really patient and helpful. Great service all round
January 27, 2026
Unprompted review
Reply from UKCreditRatings
Hi Hephzibah,
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
Excellent friendly staff
I contacted this company on a recommendation from my friend and I can say the service was excellent and very helpful, The gentleman I spoke to was Italian I can not remember his Italian name but he said joe would be suffice he was very helpful.
January 27, 2026
Unprompted review
Reply from UKCreditRatings
Hi Ian,
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 scam company
Absolute scam company. Totallymoney and creditkarma do the exact same thing and are free. You're paying these cowboys 25 quid a month for literally nothing
January 22, 2026
Unprompted review
Reply from UKCreditRatings
Dear Andy,
We have asked you to provide your full name or email address to Trustpilot so we can verify that you are an account holder, and that the information you have included within your review accurately reflects your experience which you have declined to do.
We have no record of an account being created under the name you have provided within your review, which suggests that you have chosen to judge our service without experiencing it first-hand.
We would therefore like to invite you to contact our Customer Support manager directly (https://ukcreditratings.com/credit/contact) who will be happy to provide their full assistance in relation to the comments you have made within your recent review.
We are here to help and actively encourage you to contact our Customer Support manager to address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
Scam
Sed they will except me and then charge me 1.50 then it went through to we cart except you
January 17, 2026
Unprompted review
Reply from UKCreditRatings
Dear Josh,
We have asked you to provide your full name or email address to Trustpilot so we can verify that you are an account holder, and that the information you have included within your review accurately reflects your experience, which you have declined to do.
We have no record of an account under the name you have provided within your review.
We would therefore like to invite you to contact our Customer Support manager directly (https://ukcreditratings.com/credit/contact) who will be happy to provide their full assistance in relation to the comments you have made within your recent review.
We are here to help and actively encourage you to contact our Customer Support manager to address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
scam
scam! took £60 out of my bank. i don’t even know these people/company. absolutely ridiculous.
December 30, 2025
Unprompted review
Reply from UKCreditRatings
Dear Lesley,
We have asked you to provide your full name or email address to Trustpilot so we can verify that you are an account holder, and that the information you have included within your review accurately reflects your experience, which you have declined to do.
We have no record of an account under the name you have provided within your review.
We would therefore like to invite you to contact our Customer Support manager directly (https://ukcreditratings.com/credit/contact) who will be happy to provide their full assistance in relation to the comments you have made within your recent review.
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 bank 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 are here to help and actively encourage you to contact our Customer Support manager to address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
Scammers
Scammers. I noticed on my Credit Card that I was paying this company £24.95 every month. I have no idea who they are or how they managed to do this. I have no emails from them… nothing. They owe me £174.95 which they have fraudulently taken from me but only offered me £74 … I will be calling them tomorrow to demand my full refund. Please please be careful.
UPDATE: Called today and was told that they had to wait until their manager came into the office… that was at 8:40am.. they promised that the manager would call me today. It’s now 19:40 and no call. I am a vulnerable person and can’t believe I am being treated this way.
December 24, 2025
Unprompted review
Reply from UKCreditRatings
Dear Lorraine,
Thank you for confirming your details to Trustpilot, which allowed us to verify your account history.
We are sorry to learn that there was any confusion regarding the creation of an account in your name, our service is a subscription-based model that begins after a free trial period, and in this instance, the account was activated following a successful ID verification process.
We work hard to provide support to all customers as quickly as possible. To ensure complete fairness to all customers, we follow a strict sequential queue system for callback requests.
While you did not make our support team aware of your vulnerable status during the initial callback request, we are pleased that our Customer Service Director was able to speak with you at 9:52 am the following morning.
As a gesture of goodwill, a full refund was agreed and subsequently issued to you, our team also followed up shortly after to ensure you were satisfied with the resolution.
We are here to help and actively encourage you to contact our Customer Support Director who will be happy to provide their continued assistance in relation to the comments you have made within your recent review.
Kind regards
UK Credit Ratings
Thank you to Caitlin for helping me
Thank you to Caitlin for helping me. I needed a lot of support and the back and forth was very responsive and informative. It really eased the Process for me.
December 17, 2025
Unprompted review
Reply from UKCreditRatings
Hi R ELIZA,
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
You guys took money from my bank…
You guys took money from my bank without any authorization. I didn’t sign up to anything yet it was taken. That’s stealing.
December 12, 2025
Unprompted review
Reply from UKCreditRatings
Dear Emmanuel,
We would like to invite you to contact our Customer Support manager who will be happy to provide any further assistance in relation to the comments you have made within your recent review.
You decided to sign up to our service after agreeing to the terms and conditions through multiple consents and tick boxes.
The details of the free trial period and subsequent membership charges were outlined and agreed to on day one of your membership and further reiterated within our welcome email that was sent to you six minutes after completing your online application.
Our mail server confirms the welcome email was delivered to your inbox yet remains unopened.
Further emails, including a cancellation confirmation email were delivered and opened shortly after your initial account opening.
We have provided you with exactly what you had asked for and outlined the basis for our membership both at the point of sign up and within our subsequent emails, the charge debited from your account was refunded to you.
We are here to help and actively encourage you to contact our Customer Support manager to address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
They stole £29.95 from my bank account
They are the worse, they stole £29.95 from my bank account without my authorisation. Profissional thieves !!
November 28, 2025
Unprompted review
Reply from UKCreditRatings
Dear Luiz,
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.
We are unable to locate an account under the name you have provided within your review and note this is one of two almost identical reviews you have left on Trustpilot, both under the same name and both on the same day.
We only allow customers to hold one active account, yet your reviews suggests that you have held two accounts, both with differing subscription charges.
We would therefore like to invite you to contact our Customer Support manager directly (https://ukcreditratings.com/credit/contact) who will be happy to provide their full assistance in relation to the comments you have made within your recent review.
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 bank 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 are here to help and actively encourage you to contact our Customer Support manager to address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
They are the worse, they stole £24.95 from my bank account.
They are the worse, they stole £24.95 from my bank account without my authorisation. I didn’t make any direct debit or agree with that but I don’t know how they made it . Professional thieves.
November 28, 2025
Unprompted review
Reply from UKCreditRatings
Dear Luiz,
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.
We are unable to locate an account under the name you have provided within your review and note this is one of two almost identical reviews you have left on Trustpilot, both under the same name and both on the same day.
We only allow customers to hold one active account, yet your reviews suggests that you have held two accounts, both with differing subscription charges.
We would therefore like to invite you to contact our Customer Support manager directly (https://ukcreditratings.com/credit/contact) who will be happy to provide their full assistance in relation to the comments you have made within your recent review.
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 bank 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 are here to help and actively encourage you to contact our Customer Support manager to address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
£24.95 D/D taken out of my bank account…
£24.95 D/D taken out of my bank account without my consent. I would like my money back. I have had no emails or texts from this company and have not visited their website or signed up for any services.
November 24, 2025
Unprompted review
Reply from UKCreditRatings
Dear Kieran,
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, which you have kindly done.
We have discovered that the email address you have submitted within our online application process, differs to the email address you have provided to Trustpilot, in that you have provided an incorrect domain name of gmail.con, and not gmail.com, hence the various emails that were sent to you at the point of the account creation remain undelivered.
We also note that you have confirmed within your review that you have been charged £24.95 as part of your subscription, yet our records confirm that no debits were ever taken from your account.
We are here to help and actively encourage you to contact our Customer Support manager who will be happy to provide any further assistance in relation to the comments you have made within your recent review.
Kindest regards
UK Credit Ratings Customer Support Team
SCAM- BE AWARE OF UK CREDIT RATINGS
I have never spoken to these people nor used any of thier services or subscriptions or even visited thier website yet noticed a payment on my bank account for £24.95! I rang my bank who put me through to the fraud section who.advised I may have been a victim of a crime, after investigating my bank refunded me and are pursuing these cowboys. Be aware of anything showing up as UKcrdratings. Absolutely shocking this can happen, but it does. UPDATE: THE BELOW RESPONSE IS A CATALOGUE OF.LIES AND MISINFORMATION, NONE OF WHICH IS TRUE AND IF IT WAS I AM.SURE THEY WOULD CONTACT ME AS THEY CLAIM I HAVE PROVIDED THEM WITH MY PERSONAL INFORMATION, THEY HAVE NOT BUT INVITE ME TO CONTACT THEM, WHY WOULD I? MY BANK HAVE REFUNDED THE AMOUNT TAKEN AND BLOCKED THIER IP ADDRESS AND REFUNDED THE TEST £1.50 AMOUNT THEY ALSO TOOK A WEEK BEFORE TYE FRAUDULENT PAYMENT, THEY LIST A SERIES OF EVENTS I HAD NO PART IN OR DID, THEY SAY A SERIES OF EMAILS HAVE BEEN SENT FOR VERIFICATION BUT REMAIN UNOPENED, ARE THEY REALLY THAT THICK, OBVIOUSLY I HAVEN'T HAD THEM NOR REPLIED SO THEY HAVEN'T BEEN SUCCESSFULLY VERIFIED AT ALL! THEY ALSO SAY I HAVEN'T TRIED TO CONTACT THEM, ANOTHER LIE AS I HAVE TRIED SEVERAL TIMES BEFORE REPORTING THE CRIME TO.MY BANK ,SO UK CREDIT RATINGS I WELCOME A CALL TO DISCUSS YOUR FURTHER FRAUDULENT RESPONSE AND WIDELY UNTRUE EXPLANATION
November 7, 2025
Unprompted review
Reply from UKCreditRatings
Dear Mr.Furlong,
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.
Your review states that you have never spoken to us, used any of our services or even visited our website and that you are a victim of a crime. You have also referred to us as cowboys.
Our system shows that you visited our website on 21st October at 9.51am using a windows-based device, we capture all customers IP addresses and will happily provide this to you directly and to your bank.
In addition to manually completing our online application form and providing your personal details, including your name, address, date of birth and contact details, you also provided and approved the use of your card details through your banks 3DS verification service at the point of application, your bank will no doubt confirm this to be the case if you would please be kind enough to ask them.
The final stage of the signup process is a Knowledge Based Authentication (KBA), this stage requires a customer to verify their identity by answering a series of questions based on their financial history (for example, you have recently taken out a new credit card, what is the name of the card provider, etc) the KBA is operated independently by Transunion, a company with a credit database of 1 billion consumers, operating in 30 countries using 256-bit digital encryption / authentication to ensure only the true customer would be able to pass their comprehensive security checks.
Our system confirms that you, or an individual with full access to your finances over the last six years, successfully completed and passed these checks at the point of application on 21st October 2025 and logged in to access the service and personalised credit file two minutes after registration.
A request was also made when your account was opened to receive details of our smart offers and other membership benefits by email.
We clearly describe who we are, the service we offer, the initial free trial period and subscription costs thereafter at the point of sign up through our website. All customers must 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.
There have been a series of emails sent to the verified email address used at the time of your application, our mail server confirms these have all been delivered yet remain unopened.
You have not made any attempt to contact us directly and allow our customer support team to cancel your unwanted account and politely remind you of the steps that you, or someone with full access to your financial history over the last six years and mobile telephone device in which to verify the 3DS card checks have taken to create an account with us.
It is disappointing that you have instead chosen to post a poor review which we do not feel accurately represents our firm and the processes involved in providing customers with a service they have chosen to use of their own accord.
We would therefore like to invite you to contact our Customer Support manager directly (https://ukcreditratings.com/credit/contact) who will be happy to provide their full assistance in relation to the comments you have made within your recent review and look forward to hearing from you in due course.
Kindest regards
UK Credit Ratings Customer Support Team
Spoke to Micheal Walker this morning…
Spoke to Micheal Walker this morning via phone
He was very patient and helpful with all my questions that I asked .
November 12, 2025
Unprompted review
Reply from UKCreditRatings
Hi Patience,
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 was absolutely FAN-FU*$IN-TASTIC
Louis was absolutely FANTASTIC. He really helped explain many parts around Credit that i was unaware of. Excellent
October 3, 2025
Unprompted review
Reply from UKCreditRatings
Hi Mark,
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
Check your facts, you maybe wrong...
I have to commend the patience and customer service of both Joe & Michael on my calls today. I, in error, believed I had not created an account with this company which they agreed to close and refund immediately. As I felt my personal information had been used without my consent, I made a huge deal and insisted they report this to their compliance department. On further investigation, I found I had in fact created the account and had a credit report from them. I believe I may have not read the information correctly on their business page and was genuine in my initial calls. Their graciousness when I called to apologise and advise I had wasted a good 15 minutes of their time was unexpected and very nice of them. I especially apologise to Joe as I gave him a real telling off when actually, the error was all mine. I would recommend them, their customer service skills are very high compared to a lot of companies I use. Thank you.
November 10, 2025
Unprompted review
Reply from UKCreditRatings
Hi LouN,
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 take money without asking
They take money without asking. It seems they to a credit check and charge you. Total Scam.
November 4, 2025
Unprompted review
Reply from UKCreditRatings
Dear Guillem,
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 customer support team received an email from you at 8.20pm, an hour after signing up to our service, stating that you mistakenly thought you were making an application directly with Transunion.
Our website and trading names are clearly displayed, making it easy for any customer to distinguish us from other brands or credit information providers, yet despite this, rather than providing us with an opportunity to help correct your mistake, you decided to post a poor review for something that was of your own making.
We responded to your email an hour after our customer service team opened the following day, cancelled your account, and refunded the £1.50 verification charge. A cancellation confirmation email was then sent to you which our mail server shows as being received and opened.
Our system shows that you provided and approved the use of your card details through your banks 3DS verification service at the point of application, and that you 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 credit report within our online secure portal.
We clearly describe who we are, the service we offer, the initial free trial period and subscription costs thereafter at the point of sign up through our website. All customers must 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.
It is disappointing that you have chosen to base your review and label our service as a scam.
We would therefore like to invite you to contact our Customer Support manager directly (https://ukcreditratings.com/credit/contact) who will be happy to provide their full assistance in relation to the comments you have made within your recent review.
We look forward to hearing from you in due course.
Kindest regards
UK Credit Ratings Customer Support Team
Had a problem with money being taken…
Had a problem with money being taken when I didn’t have a clue who the company was and a lovely man called Giuseppe he sorted it for me straight away
October 31, 2025
Unprompted review
Reply from UKCreditRatings
Hi Chloe,
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 never signed up for credit rating or…
I never signed up for credit rating or called this company but they always take money from my account .I need my money back please because I did not ask for your services
October 31, 2025
Unprompted review
Reply from UKCreditRatings
Dear Nomusa,
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.
You have stated within your review that you did not sign up to use our service.
Our system shows that you signed up to use our service using an iPhone from a logged IP address on 14th August 2025, you 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 credit report within our online secure portal.
Your credit report has been accessed by you and updated on twelve separate occasions since the creation of your account.
The details of the free trial period and subsequent membership charges were outlined and agreed to on day one of your membership and further reiterated within our welcome email that was sent to you seven minutes after completing your online application.
Further emails, including a cancellation confirmation email and a call to action email were delivered to your mailbox, all of which remain unopened.
Despite your extended membership period, your account has been debited with a single payment which we are unable to refund as you have registered a chargeback with your bank.
We would like to invite you to contact our Customer Support manager who will be happy to provide any further assistance in relation to the comments you have made within your recent review.
Kindest regards
UK Credit Ratings Customer Support Team
Plain and Simple Scam
One of many companies who think its acceptable to take money from people who can less afford it.
Total scam Will take money with little correspondence These companies are ruthless..I would strongly NOT recommend them ..
October 29, 2025
Unprompted review
Reply from UKCreditRatings
Dear Delvin,
We would like to invite you to contact our Customer Support manager who will be happy to provide any further assistance in relation to the comments you have made within your recent review.
You decided to sign up to our service after agreeing to the terms and conditions through multiple consents and tick boxes.
The details of the free trial period and subsequent membership charges were outlined and agreed to on day one of your membership and further reiterated within our welcome email that was sent to you nine minutes after completing your online application.
Our mail server confirms the welcome email was delivered to your inbox yet remains unopened. Further emails, including a cancellation confirmation email and a call to action email were delivered and opened 19 days after your initial application.
We have provided you with exactly what you had asked for and outlined the basis for our membership both at the point of sign up and within our subsequent emails.
The charge debited from your account was refunded to you prior to your review.
We are here to help and actively encourage you to contact our Customer Support manager to address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
What a total scam
What a total scam . Do not enter there online site . Tryed taking out 24£ with out no email or approval from my app.
October 30, 2025
Unprompted review
Reply from UKCreditRatings
Dear Louis,
We would like to invite you to contact our Customer Support manager who will be happy to provide any further assistance in relation to the comments you have made within your recent review.
We note that you kindly provided and approved the use of your card details through your banks 3DS verification service at the point of application, and that you 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 credit report within our online secure portal.
Our records confirm that you have logged into your account on multiple occasions and that your credit reports have been updated each week from the day your account was set up.
We have sent you over a dozen emails which our mail server shows have been received and opened, including our welcome email which outlines the terms and cost of our service following the initial free trial stage, along with other emails containing alerts, updates and password resets.
No charges have ever been debited from your card in the five weeks you were able to access your account for.
We are here to help and actively encourage you to contact our Customer Support manager to address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
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