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
|Trial period||14 days|
|Score information included||TransUnion|
|Report information included||TransUnion|
|Update frequency||Every 4-6 weeks|
|Fraud alert formats||Text, Email|
|Score alert formats||Text, Email|
|Report alert formats||Text, Email|
|Dark web monitor|
UK Credit Ratings is a British credit report provider that aims to help customers understand and improve their credit rating. It offers a paid monthly subscription service that lets you access your TransUnion credit report and credit score. It also provides practical advice on the actions you can take to boost your credit profile.
The credit report offered by UK Credit Ratings records the last six years of your financial and credit activity and uses this data to calculate your credit score, which is a numerical rating of your creditworthiness. This credit report and score is provided by TransUnion, one of the UK’s major credit reference agencies.
UK Credit Ratings will then also send you alerts when your credit report updates, as well as tips on how you can improve your credit score.
You can apply for a UK Credit Ratings membership through the UK Credit Ratings website. You’ll need to provide certain personal information when you apply, including:
UK Credit Ratings claims to offer practical and actionable advice on how you can improve your credit rating and profile, which may make it useful for those who have been rejected for a credit product or who require more than just access to their credit report.
It also has positive reviews from customers, according to review platform TrustPilot, and currently has a “great” rating based on more than 200 reviews.
The UK Credit Ratings credit report membership costs £19.95 per month, but you can also get a 14-day free trial. After your trial period ends, you’ll be charged your first monthly subscription fee, but you’re free to cancel at any time before your trial ends.
No, there’s no impact on your credit score when you view or access your credit report or credit score through UK Credit Ratings.
You can cancel your UK Credit Ratings membership at any time by calling the customer service team on 0161 250 7700, emailing info@UKCreditratings.com, by mail or by clicking on the chat icon on the UK Credit Ratings website.
With the plethora of free credit report services now available in the UK, it may be hard to justify UK Credit Ratings’ rather steep monthly fee, especially when your TransUnion credit report and credit score are available for free elsewhere.
However, if you’re looking for more than just your straightforward credit report or in desperate need of help when it comes to improving your credit score, UK Credit Ratings’ actionable advice service may come in handy.
If your credit report or credit score is lower than you’d like it to be, there are a couple of things you can do to help improve it, including:
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.