Credit Angel credit score and report 2026
- Monthly fee
- £19.99
- Trial period
- 14 days
- Report information included
- TransUnion
- Update frequency
- Every 4-6 weeks
Our verdict
Credit Angel is not currently accepting new applications.
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.
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.
Pros
-
14-day free trial
-
Data theft and ID fraud monitoring
Cons
-
High monthly fee
-
Long update frequency
Details
Product details
| Monthly fee | £19.99 |
| Trial period | 14 days |
| Score information included | TransUnion |
| Report information included | TransUnion |
| Update frequency | Every 4-6 weeks |
| Fraud alerts | |
| Score alerts | |
| App | |
| Social media monitor | |
| Social media monitor details | The social monitoring tool highlights information that can shape how lenders and potential employers view you |
| Additional services | Get a personalised credit improvement action plan to improve your score |
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 |
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.
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.
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