Reading all the recent reviews it is hard to believe that all these customers have all not understand the terms of the arrangement and am surprised they can still justify their stance. I had an unp... See more
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
See what reviewers are saying
0 stars if possible single mum struggling I would not agree or sign up to £20 a month as I’m skint Tried emailing countless times to not hear anything back people need to steer clear as they just d... See more
Company replied
Didn’t want free trial but had to have it. Tried several times to cancel, but couldn’t, even tried blocking them from taking payment from me, yet somehow they managed to and now it’s impossible to get... See more
Company replied
they took 20 quid out of my bank when it only asked to take out 9p. i did not want this now my bank account is in overdraft thanks to yous. i want to cancel my subscription so it does not continue to... See more
Company replied
Company details
Written by the company
Credit Chum is an exciting subscription-based service that gives you access to personalised finance and credit offers, an opportunity to access your credit report and you may gain additional insights into your social report.
Contact info
United Kingdom
- creditchum.co.uk
1.2
Bad
174 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Scam artists so glad my bank blocked…
Scam artists so glad my bank blocked the payment and then contacted me to say fraudulent company. Do not trust them.
16 August 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you feel that you have had a bad experience with us.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit Chum Team
the fraud squad need to investigate…
the fraud squad need to investigate this company scamming people out of funds they take 00.9p then £19.99 out of yor account
14 August 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you feel that you have had a bad experience with us.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit Chum Team
Check reviews before verifying with card details…
I am so glad i looked at the reviews before verifying with a card .
Always always check reviews of sites before u part with hard earned cash .
14 August 2022
Unprompted review
Always read the T&C's
Always read the T&C's. I hope this is a joke, because providing this 'service' shouldn't be legal.
£19.99/month for a pretend credit report.
"Credit Report Lite
Credit Chum gives members immediate access to our in-house built credit reporting lite product. This product does not read any credit reference agencies and so using it does not leave ANY footprint. Please note that this tool is not based on payment data from lenders or the electoral register and court records. The results given are purely a guide and members can change answers to questions to see how changes might affect a rating".
Edit: I don't have a subscription. I read the T&C's and decided not to proceed, as I can't see the point of a credit 'improvement' system which doesn't read or report to the credit reference agencies, doesn't have any publicly available info and is only a 'guide'.
14 August 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you feel that you have had a bad experience with us.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit Chum Team
SCAM BEWARE!!!+++!!!!
13 August 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you feel that you have had a bad experience with us.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit Chum Team
The same as most
Again like most reviews, 19.99 taken from my bank while trying to apply for a loan, nowhere did it say about a subscription, don’t use this website it is a SCAM
10 August 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you feel that you have had a bad experience with us.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit Chum Team
So glad I read reviews
8 August 2022
Unprompted review
Absolute scam
Absolute scam! They charge you 9p to verify your card then suddenly £19.99 comes out of your account and then they don’t have the decency to reply to emails or online contact forms and can’t find a telephone number.
Whatever they say they do not make this clear I didn’t even know what it was for. I was looking for a loan so obviously need some money and then they steal from you. Disgusting company and service
4 August 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you feel that you have had a bad experience with us.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit Chum Team
' Credit Scam '
Hi, I applied for a loan and was re - directed to 'Credit Chum' At the top it verified my loan amount ( 200 ) and asked me to fill in my card details. It said I would be charged 9p for checking my bank details. I'm glad I looked at the reviews before I clicked.
Nowhere on the page does it say I will be charged £19 a month! Nowhere at all. If this isn't a scam I don't know what is. And if ' Credit Scam ' want to disagree, they can contact me.
31 July 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you feel that you have had a bad experience with us.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit Chum Team
Just disgusting people preying on the…
Just disgusting people preying on the vulnerable
30 July 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you feel that you have had a bad experience with us.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit Chum Team
Apply for a loan ended up nearly paying…
Apply for a loan ended up nearly paying for a £19:99 subscription
I’m applying for a loan
Not a subscription
Regardless of whoever makes it clear , we all applying for a loan
Not some £19:99 chum to make any credit better or so called offers
Useless this day and age
Garbage
29 July 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you feel that you have had a bad experience with us.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit Chum Team
How it's stupid this company is
How it's stupid this company is? People trying to get loans, but instead of getting money o they acc they ar charged 20£. WT*???
22 July 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you feel you have had a bad experience with us.
We offer a subscription based service that gives you access to your credit report, social report, personalised credit offers and discounts, offers and vouchers from high street brands.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit chum Team
scammed out of £20
scammed out of £20
they say they make it clear you’re subscribing to a service - not sure how you’ve done that when i’ve never been on your website or heard of you. i’m reporting you to the FCA, the police, HSBC my bank, and plastering your name all over the internet so everyone knows to avoiding you scamming scumbags
4 July 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you have had a bad experience with us.
If you would like to discuss this further and cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit chum Team
I Wish there were Zero stars
I Wish there were Zero stars. AVOID AVOID. This company took £22.00 from my current account based on a loan search, a search…. Disgusting and immoral - I’ve reported accordingly.
3 July 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you have had a bad experience with us.
We offer a subscription based service that gives you access to your credit report, social report, personalised credit offers and discounts, offers and vouchers from high street brands.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit chum Team
I never authorised a payment and 19.99…
I never authorised a payment and 19.99 was taken from my account, that is fraud and I need my money back I do not care, I need my money back Check me on your data, I never authorised any damn payment at allll I don’t need anyone to grow my credit score, I know what to perfectly do So I need my money returned back to me.
I don’t need any bloody response with sorry to hear whatever, just send me my money back or what’s gonna happen is going to be a bad experience for your company
1 July 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you have had a bad experience with us.
We offer a subscription based service that gives you access to your credit report, social report, personalised credit offers and discounts, offers and vouchers from high street brands.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit chum Team
This company are really bad do not go…
This company are really bad do not go near they are scammers all the reviews are very real.. I have little money and they scammed me out of £20 now will not refund me.. I emailed them with no reall service will report them to the FCA if I don't get my money back. They also have the same standard response to everyone I know they are not s lender !
25 June 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you have had a bad experience with us.
We offer a subscription based service that gives you access to your credit report, social report, personalised credit offers and discounts, offers and vouchers from high street brands.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit chum Team
STEER CLEAR !!
Total rip off .Even if you don't check the tick Box still takes £19.99 .This is then a fraudulent transaction so go through your bank to stop payment. Why would anyone want to pay for something you can get for free with Experian!!
22 June 2022
Unprompted review
Reply from Creditchum
We are sorry to hear that you have had a bad experience with us.
Please note that Credit chum is not a lender, but a credit scoring service. We offer a subscription based service that gives you access to your credit report, social report, personalised credit offers and discounts, offers and vouchers from high street brands.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk.
Kind regards,
The Credit chum Team
Search for a loan,when I got here,asked…
Search for a loan,when I got here,asked for bank account details so they can take off 9pence,so I tryed to create a new log in so when I did it said something like password has been taken,so tryed an other it wuld not let me log in,so going to Search for fone number this week to tell them off.
15 June 2022
Unprompted review
Reply from Creditchum
Good morning,
We are sorry to hear that you have had a bad experience with us.
Please note that Credit chum is not a lender, but a credit scoring service. We offer a subscription based service that gives you access to your credit report, social report, personalised credit offers and discounts, offers and vouchers from high street brands.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk
Kind regards,
The Credit chum Team
Avoid!!! Avoid!!! Avoid !!!!
They will just take your money for nothing !!!!
First 0.09£ for some check and after 19.99£ for nothing without warning !!!!!!
Hyenas not humans !!
12 June 2022
Unprompted review
Reply from Creditchum
Good morning,
We are sorry to hear that you have had a bad experience with us.
Please note that Credit chum is not a lender, but a credit scoring service. We offer a subscription based service that gives you access to your credit report, social report, personalised credit offers and discounts, offers and vouchers from high street brands.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk
Kind regards,
The Credit chum Team
Rip off stay clear
10 June 2022
Unprompted review
Reply from Creditchum
Good morning,
We are sorry to hear that you have had a bad experience with us.
Please note that Credit chum is not a lender, but a credit scoring service. We offer a subscription based service that gives you access to your credit report, social report, personalised credit offers and discounts, offers and vouchers from high street brands.
We make it clear throughout our sign up process that this is a subscription based service with a £19.99 monthly fee.
If you would like to discuss this further or cancel your subscription you can do so by contacting our customer service team at hello@creditchum.co.uk
Kind regards,
The Credit chum Team
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.