If you\u2019re looking for a different way to improve your credit score, BuildMyCreditScore might be the solution. A debit card rather than a credit card, BuildMyCreditScore links to your bank to help build your credit score through small purchases. But it\u2019s not cheap, with the entry-level option starting at \u00a36.25 a month.<\/p>
BuildMyCreditScore is a debit card designed to improve your credit score. It links to your bank account and helps you improve your credit score through small everyday purchases as well as regular payments like TV streaming subscriptions. <\/p>
When you apply, BuildMyCreditScore does a soft search, which is not visible to lenders.<\/p>
You connect your BuildMyCreditScore debit card to your bank account and then use it for small purchases (there\u2019s a daily limit of up to \u00a340), so you\u2019re only spending the money you have in your account. BuildMyCreditScore processes the payment a few days later using a direct debit. You\u2019ll be informed at the end of each day of the date on which the direct debit will take place. <\/p>
Then, at the end of each month, BuildMyCreditScore reports your transactions to the credit reference agencies: Equifax, Experian and TransUnion. <\/p>
BuildMyCreditScore has 3 different pricing plans: monthly, semi-annual and annual. If you pay one lump sum for the year, it works out cheaper than paying monthly.<\/p>
BuildMyCreditScore cards are issued by Currensea Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) for the provision of payment services. <\/p>
It uses Open Banking technology to link to your bank account and offers the same level of security as your bank in terms of protecting your information. As BuildMyCreditScore uses direct debits to take payments, your money remains in your bank account until the day the payment is taken. <\/p>
BuildMyCreditScore has received positive reviews from customers on review site Trustpilot. It currently scores 3.8 out of 5 from 385 reviews (updated November 2025), giving it a \u201cGreat\u201d rating.<\/p>
Positive reviews comment on the ease of use and that it\u2019s a fast way to build your credit score. However, others have said the set-up process was \u201ctedious\u201d.<\/p>
On the App Store, BuildMyCreditScore scores 4.5 out of 5 from more than 400 reviews, and on Google Play, it scores 3.8 out of 5 from more than 240 reviews (updated November 2025).<\/p> \n