{"id":438852,"date":"2022-02-15T18:06:02","date_gmt":"2022-02-15T18:06:02","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=438852"},"modified":"2026-01-06T09:02:30","modified_gmt":"2026-01-06T09:02:30","slug":"credit-perfect-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/credit-perfect-review","title":{"rendered":"Credit Perfect review"},"content":{"rendered":"<p>With an offer to improve your credit score and financial wellbeing, for a monthly fee, we want to know why everyone is complaining about Credit Perfect. Could it be the fact that it is charging  a month for a tool that is free from other providers or the misleading sign-up pop-ups?<\/p><p>Luckily you can <a href=\"https:\/\/www.finder.com\/uk\/credit-score\">check your credit score<\/a> for free with Finder! We only run a soft credit check so it won\u2019t impact your credit score.<\/p>\n\n<div id=\"overtablehero\">\n<\/div>\n<h3>What is Credit Perfect?<\/h3><p>Credit Perfect is a finance broker who offers to \u201cimprove your life with better credit\u201d. Aimed at those who have struggled with finance in the past and are now seeking to rebuild their credit score, Credit Perfect offers tools to help put you back on track and set you up with potential lenders \u2013 for a fee.<\/p><p>Where highstreet lenders may not have been as inclusive, for  a month, Credit Perfect will set you up with lenders that may be able to offer you a loan based on any previous poor credit.<\/p><h3 id=\"works\">How does Credit Perfect work?<\/h3><p>Each month you pay your  fee, you will have access to the Credit Perfect dashboard. This dashboard is where you can access your credit report (information provided by <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/transunion\">TransUnion<\/a>), credit builder products and lists of lenders who specialise in loans for poor credit.<\/p><h3>Credit Perfect customer reviews<\/h3><p>Since Credit Perfect has launched, it has received mixed reviews on platforms such as Truspilot and Yell. However, when searching for Credit Perfect online, you will notice that there are multiple complaints regarding money being taken out of accounts without permission and several queries on how to cancel your Credit Perfect account.<\/p><p>Many reviewers state that they had been misled into signing up to a membership by clicking \u201cokay\u201d on pop-ups. On many of the reviews, Credit Perfect has replied saying that these customers must have come through a different website. By the looks of things, if you have attempted to apply for a loan on certain websites and have been rejected, if you click \u201cokay\u201d on a pop-up, you are agreeing to a membership with Credit Perfect and the financial data you provided for the original loan will be used to pay the fee. If this has happened to you, you can apply for a refund using the email support@creditperfect.co.uk.<\/p><h3 id=\"verdict\">Our verdict: Is Credit Perfect any good?<\/h3><p>If you\u2019re looking to rebuild your credit or are struggling to get a loan due to your financial history, Credit Perfect does look like it\u2019s offering some light at the end of the tunnel \u2013 and for some people that is true. However, with countless complaints about being blindsided into paying for this service, it makes you question the claims that Credit Perfect is really putting its customers \u201cat the heart of everything\u201d it does. And when there are plenty of cheaper alternatives on the market offering the same, if not better, service, to help build financial stability to potentially offer you a loan, why would you want to pay  a month?<\/p><h3>How to cancel your Credit Perfect membership<\/h3><p>To cancel your Credit Perfect membership, you can send an email to support@creditperfect.co.uk. If you cancel after the 14-day free trial, you will be charged.<\/p><p>If you have not used your membership within 6 months of the first payment, you may be eligible for a refund.<\/p><h3>How to get a refund<\/h3><p>To apply for a refund, you can email Credit Perfect at support@creditperfect.co.uk.<\/p><p>You may be eligible for a refund of your membership fee if you have not used Credit Perfect\u2019s services within 6 months from the day it takes the first payment.<\/p><p>If you did not sign up to use this service and payments are being taken out, you should contact the help desk at support@creditperfect.co.uk immediately.<\/p>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Credit Perfect alternatives<\/h3><p>It\u2019s good to view all your options when considering financial loans or tools to help get your credit back on track. Many services, like Credit Perfect, offer credit building and financial advice for a fee but there are some free or cheaper options on the market.<\/p><p><strong>Credit building<\/strong><br>If you\u2019re looking for a credit building tool, and don\u2019t fancy a credit building credit card, don\u2019t panic. There are still options available that don\u2019t charge a monthly fee or some that do but offer more in return.<\/p><p>Have you heard of <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-score\/loqboxfree-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22LOQBOX%22%2C%22site%22%3A%22UKFCR-TLS%22%2C%22offer_id%22%3A%2210239%22%2C%22niche_code%22%3A%22UKFCR-TLS%22%2C%22product_id%22%3A%220e0a4a6f-47d8-41d1-ab35-e644b6a934f2%22%2C%22product_name%22%3A%22Loqbox%2BLite%22%2C%22provider_id%22%3A%228d5d0ebf-61a4-474f-9cc6-0010f01c8893%22%2C%22provider_name%22%3A%22Loqbox%22%2C%22post_id%22%3A%22438852%22%2C%22post_path%22%3A%22personal-loans%252Fcredit-perfect-review%22%2C%22post_country%22%3A%22uk%22%7D\">LOQBOX<\/a> or <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-score\/paveplus-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22PAVE%2BPlus%22%2C%22site%22%3A%22UKFCR-TLS%22%2C%22offer_id%22%3A%2220517%22%2C%22niche_code%22%3A%22UKFCR-TLS%22%2C%22product_id%22%3A%22caf69d63-f901-4614-9d36-6be7f89ffa5c%22%2C%22product_name%22%3A%22Pave%2BPlus%22%2C%22provider_id%22%3A%22d7cb3c7a-1d88-4216-91e7-8fb5447d6d17%22%2C%22provider_name%22%3A%22Pave%22%2C%22post_id%22%3A%22438852%22%2C%22post_path%22%3A%22personal-loans%252Fcredit-perfect-review%22%2C%22post_country%22%3A%22uk%22%7D\">PAVE Plus<\/a>? These are examples of tools that can help improve your credit score by reporting monthly payments to credit reference agencies (like TransUnion).<\/p><p><strong>Credit score checkers<\/strong><br>If you were planning to use Credit Perfect to check your credit score, put  back in your wallet and use a free alternative. Finder\u2019s <a href=\"https:\/\/www.finder.com\/uk\/credit-score\">credit score checker<\/a> runs a soft credit check without a cost to you or your credit profile.<\/p><p><strong>Lenders specialising in poor credit<\/strong><br>There are many lenders that specialise in loans for people with bad credit, with your Credit Perfect membership it will put you in touch with these lenders but there is no guarantee that you will be offered a loan and you will still have to pay the  fee. Many comparison sites allow you to filter down lenders specialising in loans for low credit scores without a fee. Start comparing sercured loans <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\">here<\/a>.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How did Credit Perfect get my details?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If you sign up to Credit Perfect, you would have provided your personal and financial details. Credit Perfect also receives credit information from credit reference agency TransUnion.<p>Alternatively, if you have recently applied for a personal loan and have clicked \u201cokay\u201d on a pop-up, you may have unknowingly agreed to a membership with Credit Perfect.<\/p><p>If you did not sign up to use this service and payments are being taken out, you should contact the help desk at support@creditperfect.co.uk.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Is Credit Perfect real?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, Credit Perfect is a finance broker who supplies credit building services.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Is Credit Perfect safe to use?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Credit Perfect is authorised and regulated by the financial conduct authority (FCA), you can search for it on the FCA register with the reference number: 723678.<\/div>\n  <\/div>\n<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Finance broker Credit Perfect hits the market with the offer to \u201cimprove your life with better credit\u201d for a monthly fee of , but what is everyone complaining about?<\/p>\n","protected":false},"author":1231,"featured_media":439268,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2603],"tags":[2565],"asset_tag":[],"class_list":["post-438852","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans","tag-latest-3"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Perfect review - how perfect is it? | Finder UK<\/title>\n<meta name=\"description\" content=\"Finance broker Credit Perfect hits the market with the offer to \u201cimprove your life with better credit\u201d for a monthly fee of , but what is everyone complaining about?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/personal-loans\/credit-perfect-review\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Perfect review\" \/>\n<meta property=\"og:description\" content=\"Finance broker Credit Perfect hits the market with the offer to \u201cimprove your life with better credit\u201d for a monthly fee of [field id=&quot;70e57af7-9fa8-46d6-ace5-e3685dcf4f1f&quot; field=&quot;product_FEATURES.FEE&quot; origin=&quot;straightforward-niche&quot; code=&quot;UKFCR-TLS&quot; entity=&quot;products&quot;], but what is everyone complaining about?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/personal-loans\/credit-perfect-review\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-15T18:06:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/02\/credit_perfect_250.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Emily Herring\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily Herring\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/credit-perfect-review#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/credit-perfect-review\"},\"author\":{\"name\":\"Emily Herring\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/4124ff81f216102eb53594e1b4774543\"},\"headline\":\"Credit Perfect review\",\"datePublished\":\"2022-02-15T18:06:02+00:00\",\"dateModified\":\"2023-12-05T16:55:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/credit-perfect-review\"},\"wordCount\":1241,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/credit-perfect-review#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/02\/credit_perfect_250.png\",\"articleSection\":[\"Personal Loans\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"copyrightYear\":\"2022\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/credit-perfect-review\",\"url\":\"https:\/\/www.finder.com\/uk\/personal-loans\/credit-perfect-review\",\"name\":\"Credit Perfect review - how perfect is it? 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