I love using TotallyMoney, it helps me to keep an eye on my credit score and areas that need improving. If i want a new credit card it shows me the best on the market and also allows to see my chances... See more
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I like the fact that you can see where you are in terms of your credit journey and that you can plan your way to a certain goal. I - for one - am aiming to claw my way out of debt, so this is us... See more
Company replied
Grate site help me keep an eye on my spending and money. Let's me know how I can improve my credit. I can see updated information of my credit rating if its gone up or down.
Company replied
If free to use which is very good and it shows you everything that is in your file aswell has your credit score Other ones charge a fee , I’ve been using it for many years
Company replied
Company details
Written by the company
Our technology puts you right at the centre of your credit data, helping you make smarter decisions to take control of your finances. Use our free credit report and live credit score, along with our unique Borrowing Power and Match Factor technologies, to find the right financial products, make better financial decisions and build a stronger credit history. We believe that our technology can drive a better and fairer consumer credit market that can help you get smart with credit!
Get a better credit score
Written by the company
- 97% of customers recommend us to improve your credit score
- Credit scores don't always feel fair. That's because they were made for lenders. Now, make yours work for you and move on up towards your goals, for free.
Contact info
White Collar Factory, 1 Old Street Yard, EC1Y 2AS, London, United Kingdom
- help@totallymoney.com
- www.totallymoney.com
4.4
Excellent
14K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 1 week
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Reply from TotallyMoney
Thank you for the positive review, we really appreciate it!
The TotallyMoney Customer Ops Team
Reply from TotallyMoney
Thank you for the positive review, we really appreciate it!
The TotallyMoney Customer Ops Team
I think credit score providers are…
I think credit score providers are difficult to understand each one u check gives u a different score even though they fetch it from the same agency and then they pound Ur email with offers and they have contradicted info IE don't apply for credit as it will cause Ur score to go down but u must apply for credit to increase Ur score confusing
March 20, 2025
Reply from TotallyMoney
We appreciate that this can be confusing Thomas!
There are three main UK credit reference agencies: TransUnion, Equifax, Experian. We partner with TransUnion to provide you with your credit score and report.
Each credit reference agency uses different calculations, figures and information to calculate your credit score, so its highly likely that your score will change between the three. They also use different scoring systems, for example TransUnion’s scoring is out of 710, whereas Experian’s is out of 999 and Equifax is out of 1000.
Not all lenders will supply all three Credit Reference Agencies with information, so if an account has not been indicated to Experian for example, it could mean that your score is higher or lower with Experian, depending on the nature of the account.
All the best,
The TotallyMoney Customer Ops Team
I've been using totally money for only…
I've been using totally money for only a couple of months amd has been amazing!! A lot better than close competitors in this area. I have no complaints.
March 19, 2025
Reply from TotallyMoney
This is great to hear, thank you so much!
The TotallyMoney Customer Ops Team
Best app I downloaded
This app has totally changed the way I spend money it’s helped so much reduce my debts and my credit score is up i absolutely owe it all to totally money keeping an eye on my bills I’ve gone from poor credit score to good with in a space of 5 months I’ve paid a lot of debt off and got it right down to under 25% thanks for all your help
April 23, 2025
Unprompted review
Reply from TotallyMoney
Thank you for taking the time to share your review. We really appreciate the detailed positive feedback. We're so glad that you chose TotallyMoney, and we wish you all the best for the future.
The TotallyMoney Customer Ops Team
Reply from TotallyMoney
Thank you for the review, we appreciate you taking your time to leave the feedback!
The TotallyMoney Customer Ops Team
Excellent credit score and report…
Excellent credit score and report website.
Always use it to view my creditors and it has everything for my needs. I throughly recommend it.
March 12, 2025
Reply from TotallyMoney
This is great to hear, thank you so much!
The TotallyMoney Customer Ops Team
Reply from TotallyMoney
This is great to hear, thank you so much!
The TotallyMoney Customer Ops Team
I've learnt not to trust the reading I…
I've learnt not to trust the reading I pay credit cards in full on time but score goes down so I ignore it now
April 18, 2025
Unprompted review
Reply from TotallyMoney
We appreciate your thoughts on this.
You may see a section on your TotallyMoney account called 'Credit usage', which is simply the amount of your available credit compared to how much you're using.
Just to let you know, most lenders like to see credit usage below 25%. This means if you have a £1000 credit limit, you should aim to use £250 or below. This helps to demonstrate that you aren't reliant on credit and can use it responsibly.
Whereas, if you use more than 25%, this can indicate to lenders that you're in more need of credit and this can negatively impact your score.
I appreciate this can be confusing but we don't make the rules on this. This is something that lenders look at and can impact your credit score, which is why we flag credit usage to you in your TotallyMoney account.
To improve your score, you should aim to use 25% or below of your available credit.
All the best,
The TotallyMoney Customer Ops Team
Reply from TotallyMoney
Thank you for taking the time to share your review. We really appreciate the positive feedback.
The TotallyMoney Customer Ops Team
Reply from TotallyMoney
Thank you for the positive review, we really appreciate it!
The TotallyMoney Customer Ops Team
Credit scoring is rubbish
Credit scoring is rubbish, I have no defaults, no debt, other than mortgage, pay all my bills on time, my score should be perfect.
April 11, 2025
Unprompted review
Reply from TotallyMoney
We appreciate the world of credit scores can be confusing,
The credit score you see on TotallyMoney is calculated by TransUnion, the credit reference agency we partner with, based on the credit report information they hold on you.
Credit scores don’t always behave the way we expect them to, but if you’d like some further insight into what’s impacting your score, you can visit your Score History page from the Overview tab on our app or you can check your Credit report insights from the Improve tab on our app to see what’s working well and how you can improve.
If you believe there is incorrect information on your credit report that’s impacting your score, you can raise a dispute from your TotallyMoney account or you can reach out to us by emailing [help@totallymoney.com](mailto:help@totallymoney.com) and we’ll look into this for you.
All the best,
The TotallyMoney Customer Ops Team
BenTotally
I had a great experience with Totally money. The APR i got from their referal was exactly the same. Keep up the good work.
April 11, 2025
Reply from TotallyMoney
Thank you for taking your time to leave us a review! We are glad you are enjoying the service and will strive to continue to meet expectations.
The TotallyMoney Customer Ops Team
Reply from TotallyMoney
Thank you for your kind words.
The TotallyMoney Customer Ops Team
Not as useful as they once were.
I used this to check my scores and my balances across all my cards every month, usually twice a month, for the past ~4 years or so...
Here's how they've crapped out the service:
- you can still use the web browser based service, but it's been recently castrated so it's basically useless.
- they want you to use the app, but it's not great either and it doesn't show you the info you once had on the web browser based app.
- I can't login with my username password any more, cuz that'd be too easy. Now I have to switch to my email and get a code. It's not more secure. If you had both password + email auth code, THAT would be more secure. Now you're just a PITA.
This app was changed by people who don't themselves use the system. Their research shows that if they create a fancy app, they'll get more referrals to products (and thereby commissions). Who knows?
All I know now is that I can no longer get the info I needed either from the phone app, or the web app.
What a waste.
April 9, 2025
Unprompted review
Reply from TotallyMoney
Thank you for taking time to leave us a review. The feedback that you provide will help to shape the future of TotallyMoney. If you have any further feedback or comments, please reach out to us via the Feedback section of your account, or you can email us direct at help@totallymoney.com
Great I like TotallyMoney these company…
Great I like TotallyMoney these company good and thanks
March 2, 2025
Reply from TotallyMoney
Thank you for your kind words.
The TotallyMoney Customer Ops Team
Fantastic choice great information…
Fantastic choice great information about different products and well recommended for all it services
April 7, 2025
Reply from TotallyMoney
Thank you for taking your time to leave us a review! We are glad you are enjoying the service and will strive to continue to meet expectations.
The TotallyMoney Customer Ops Team
Know my credit score and guiding one in…
Know my credit score and guiding one in increasing it with suggestions in areas on what one could do is a great advice and boost people look up to having.
February 28, 2025
Reply from TotallyMoney
Thank you for taking your time to leave us a review! We are glad you are enjoying the service and will strive to continue to meet expectations.
The TotallyMoney Customer Ops Team
It's nice and easy am happy 😊 with this
February 27, 2025
Reply from TotallyMoney
Thank you for taking your time to leave us a review! We are glad you are enjoying the service and will strive to continue to meet expectations.
The TotallyMoney Customer Ops Team
Brilliant company constant…
Brilliant company constant communication, keeps you in the “ loop” and self explanatory with how credit files work.
I was paying a subscription to another company for this type of service, but total money is free and better.
January 28, 2025
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