Credit Angel credit score and report 2020

Last updated:  

It can't promise to work miracles, and it isn't cheap, but Credit Angel's credit report service can help you improve your credit score.

Details

Monthly fee£19.99
Trial period14 days
Score information includedTransUnion
Report information includedTransUnion
Update frequencyEvery 4-6 weeks
Fraud alerts
Score alerts
App
Social media monitor
Social media monitor detailsThe social monitoring tool highlights information that can shape how lenders and potential employers view you
Additional servicesGet a personalised credit improvement action plan to improve your score
TotallyMoney

TotallyMoney credit score and report

  • Free access to your full credit report
  • Get notifications when your score changes
  • See pre-approved loan and credit card offers

What is Credit Angel?

Credit Angel is a UK-based credit reference agency that offers credit report and credit score services based on TransUnion data. Like most credit reference agencies, Credit Angel charges a monthly subscription fee for access to your credit report, as well as a limited-time free trial.

It also acts as a credit broker, offering loans and credit cards that you are likely to be approved for based on your credit profile, as well as fraud and identity protection.

Is Credit Angel safe?

Credit Angel is authorised and regulated by the Financial Conduct Authority (FCA) and entered on the Financial Services Register.

Is Credit Angel any good?

Credit Angel claims to offer a straightforward, personalised credit report service that helps you build an action plan to improve your credit score going forward. It also uses data from TransUnion, one of the three major credit reference agencies in the UK, which is also used by many of the leading banks and lenders.

Like other credit reference agencies, Credit Angel offers a free trial of its credit report service. However, the Credit Angel trial period only lasts 14 days, after which time you’ll be charged £19.99 per month to access your credit report and credit score.

What is a good credit score for Credit Angel?

Credit Angel uses the TransUnion credit scoring system to determine your credit score, and rates your score using the following scale:

Credit score Rating
0-550 Very poor
551-565 Poor
566-603 Fair
604-627 Good
628-710 Excellent

Credit Angel's credit score dashboard screenshot

How do I cancel Credit Angel?

You can cancel your Credit Angel subscription at any time by phone, email, by mail or by using the “Contact Us” form on the Credit Angel website. You can also cancel your free trial at any time, but will be charged the first month’s subscription fee if you fail to cancel before the end of your trial period.

Pros and cons

Pros

  • Personalised credit reporting
  • Uses TransUnion data

Cons

  • Expensive monthly fee
  • Limited free trial

Our verdict

Credit Angel promises to offer simple and straightforward credit reporting for those looking to build or improve their credit profile. However, while Credit Angel’s personalised action plan may help you improve your credit score, there are definitely cheaper ways to get access to your credit report and credit score.

While it uses data from TransUnion, it also comes with a less-than-generous free trial period. A monthly subscription fee that’s on the expensive end may turn off those looking for affordable access to their credit report.

How do I improve my credit score?

As obvious as it might sound, the main way to improve your credit score is by using credit responsibly. In other words, borrowing money and then repaying it in full and on time. However, there are a few other useful ways you can help your credit file, like registering on the electoral roll and regularly checking your credit report for any errors.

Learn 10 ways to boost your credit score with our in-depth guide.

LOQBOX

Build your credit history while you save with LOQBOX

  • Choose what you want to save – from £20 to £200 a month
  • Build your credit history with the credit reference agencies
  • Leave with an improved credit history, plus all your savings
Promoted

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site