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
Company replied
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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
How this company uses Trustpilot
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Very useful app
Every time I’ve used the app, it’s been a simple process, no complications, does what it says on the tin. A very useful app to have in your repertoire.
February 27, 2025
This is the best credit broker app out…
This is the best credit broker app out there ,fast simple and very helpful .
February 14, 2025
Fantastic app can keep updated every…
Fantastic app can keep updated every week.. app easy to use
February 24, 2025
Reply from TotallyMoney
We’re sorry to hear you’re not seeing the offers you’d like.
The offers you see are based on your credit report and what lenders are looking for in potential borrowers. We’ve noticed recently that lenders have been tightening up their criteria with everything that’s been happening with the economy.
If you're not seeing the credit products you'd like, you can check to see what personalised actions you can take to improve your eligibility by visiting the ‘Improve’ section on your TotallyMoney app.
Like Credit Karma unrealistic and…
Like Credit Karma unrealistic and unfair scoring with the incorrect or limited very delayed data they pull from the worst of the three Transunion. Experian equifax on the ball.
January 17, 2025
Reply from TotallyMoney
We appreciate the world of credit scores can be confusing Stephen.
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.
Reply from TotallyMoney
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 and we’ll look into this for you.
Reply from TotallyMoney
We’re so happy to hear that we were able to help you get a card :)!
If you're happy with our service we'd love to get that extra star from you. Alternatively, we're keen to hear how we can improve, at help@totallymoney.com!
Very helpful advice and monitor your…
Very helpful advice and monitor your file monthly explain the decisions and advise how to correct you credit score works for me
February 19, 2025
Helping to build up my credit report…
Helping to build up my credit report and seeing what's available to myself with credit cards and loans and also how to use sensibly.
February 18, 2025
Reply from TotallyMoney
We’re so happy to hear that we are helping you build up your credit, show you what credit products are available to you and how to sensibly use them :).
If you're happy with our service we'd love to get that extra star from you. Alternatively, we're keen to hear how we can improve, at help@totallymoney.com!
Excellent response and financial report…
Excellent response and financial report that I always get from totally money.
December 8, 2024
Decent
Decent service, definitely better than experian. However my main issue is that they keep services behind their app, why do I need any bloody app?
February 14, 2025
Unprompted review
Reply from TotallyMoney
We appreciate your thoughts on this Paul,
If you have any ideas on how we could improve, please let us know at [help@totallymoney.com](mailto:help@totallymoney.com). We’re keen to hear what you think!
This company remain the donkeys useless…
This company remain the donkeys useless dangley bits. So, for Christmas, after having a year from hell with a cancer diagnosis, chemotherapy, surgery and radiotherapy, and having to lose out holiday , I decided to splash out and spent 28% on my credit card. The money was sitting in the bank and was cleared straight after New Year 100% but they still dropped my credit rating.
I don’t give a monkeys, but God help you if you do.
Update 14/02/3025
Just had some excuse reply that’s it’s not their fault but using a credit card for a couple of months for Xmas presents and clearing the bill totally each month should show good use, not negative.
What a load of rubbish!!
February 13, 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.
Great credit score app
I get regular updates. My score is going up each month because the app gives you recommedations to improve
February 13, 2025
You’re really doing a great job
January 4, 2025
Reply from TotallyMoney
We’re so happy to hear that we`re doing a really good job :)
If you're happy with our service we'd love to get that extra star from you. Alternatively, we're keen to hear how we can improve, at help@totallymoney.com!
I haven't received my card yet.
December 28, 2024
Reply from TotallyMoney
We appreciate your feedback on this Hooman
We’re keen to look into this further for you, so please get in touch with us at help@totallymoney.com, as we’d like to get this resolved as soon as possible.
Quick response to email and very…
Quick response to email and very friendly. Great customer service.
February 4, 2025
Unprompted review
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