I spoke with Isaac & he fully explained my report and mentioned what is stopping me from improving. He also answered any questions I had . I felt at ease speaking with Isaac & ended the conversation... See more
Company replied
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
Review summary
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What people talk about most
Reviews shaping this summary
I had a confusion and fright with money coming off my account and no clue as to why. Luckily it was with a code which led me to call uk credit rating. GIUSEPPE was wonderful. Explaining everything... See more
Company replied
Easy to use and very clear report. Used it for few months to better understand my rating and financial position. A bit pricey service for what it does. Spoke on the phone with Joe today who has been e... See more
Company replied
Called for some advice on my reports provided by their site. Joe was extremely polite and helpful, fully explaining my questions. He also helped with navigating me to areas of the site that were pe... See more
Company replied
3.6
Average
2K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 91% of negative reviews
Typically replies within 1 month
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Plain and Simple Scam
One of many companies who think its acceptable to take money from people who can less afford it.
Total scam Will take money with little correspondence These companies are ruthless..I would strongly NOT recommend them ..
29 October 2025
Unprompted review
Reply from UKCreditRatings
Dear Delvin,
We would like to invite you to contact our Customer Support manager who will be happy to provide any further assistance in relation to the comments you have made within your recent review.
You decided to sign up to our service after agreeing to the terms and conditions through multiple consents and tick boxes.
The details of the free trial period and subsequent membership charges were outlined and agreed to on day one of your membership and further reiterated within our welcome email that was sent to you nine minutes after completing your online application.
Our mail server confirms the welcome email was delivered to your inbox yet remains unopened. Further emails, including a cancellation confirmation email and a call to action email were delivered and opened 19 days after your initial application.
We have provided you with exactly what you had asked for and outlined the basis for our membership both at the point of sign up and within our subsequent emails.
The charge debited from your account was refunded to you prior to your review.
We are here to help and actively encourage you to contact our Customer Support manager to address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
What a total scam
What a total scam . Do not enter there online site . Tryed taking out 24£ with out no email or approval from my app.
30 October 2025
Unprompted review
Reply from UKCreditRatings
Dear Louis,
We would like to invite you to contact our Customer Support manager who will be happy to provide any further assistance in relation to the comments you have made within your recent review.
We note that you kindly provided and approved the use of your card details through your banks 3DS verification service at the point of application, and that you successfully completed your Knowledge based authentication by answering a series of questions based on your financial history for the last six years from our Credit bureau partner in order to access your credit report within our online secure portal.
Our records confirm that you have logged into your account on multiple occasions and that your credit reports have been updated each week from the day your account was set up.
We have sent you over a dozen emails which our mail server shows have been received and opened, including our welcome email which outlines the terms and cost of our service following the initial free trial stage, along with other emails containing alerts, updates and password resets.
No charges have ever been debited from your card in the five weeks you were able to access your account for.
We are here to help and actively encourage you to contact our Customer Support manager to address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
Things I didn't know
The information i got about my credit rating and incorrect stored information was very helpful to me.
28 October 2025
Unprompted review
Reply from UKCreditRatings
Hi Duncan,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Tried to use this 'companies'services
Tried to use this 'companies'services. They required proof of identity, via Bank Debit Card. I gave the information requested, they took the money, £1.59, and then said they could not give me access to my credit file. Words I suggest. Barge Pole, do not, touch, with. I bet they don't respond to this review.
28 October 2025
Unprompted review
Reply from UKCreditRatings
Dear ‘Stuart’
We have asked you to confirm your personal details and email address to Trustpilot so we can verify that you were an active account holder, you have kindly done so, but the name used within your online review is not the same name you have used when creating your account.
Your review states that you tried to use our service, but we were unable to provide you with access to your credit file.
Our records show that the UK credit bureau was unable to successfully identify you within their system and provide you with access to a credit file, hence your account with UK Credit Ratings was immediately cancelled and the £1.50 refunded to you accordingly.
We are happy to investigate this further for you and would therefore like to invite you to contact our Customer Support manager directly (https://ukcreditratings.com/credit/contact) who will be happy to provide their full assistance in relation to the comments you have made within your recent review.
We hope you will provide us with an opportunity to assist you and look forward to hearing from you in due course.
Kindest regards
UK Credit Ratings Customer Support Team
A brilliantly user friendly website
A brilliantly user friendly website, even for an elderly non computer literate individual! I found the reason for my compromised credit rating within minutes and have been able to resolve it easily from that point. Customer service doesn't get any better than this. If only all credit reference agencies could be this good - and they are light years from being so!
16 October 2025
Unprompted review
Reply from UKCreditRatings
Hi J.Alexander,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
PLEASE AVOID
PLEASE AVOID! Don’t even click on their link!
I just received a notification from my bank which states that UK Credit Ratings.Com attempted to take £24 out of my account. I was trying to go on TransUnion website, then I realised I was on UkCrediRating.Com. I stopped completing the subscription immediately, but a direct debit is set up on my account and an attempt was made to take money illicitly!
28 October 2025
Unprompted review
Reply from UKCreditRatings
Dear Leo,
We have asked you to confirm your personal details and email address to Trustpilot so we can verify that you were an active account holder, and that the information you have included within your review accurately reflects your experience, which you have declined to do.
You have also decided not to use your full name, meaning we have no means of understanding the reason why you are suggesting to others to avoid using our service.
Your review states that you made an error in signing up to our service instead of Transunion’s, and once you realised this, you immediately stopped completing our online application form.
If you had immediately stopped completing our form, we would not have created an account for you, there would have been no free to use 14 day access to our service provided and no attempt to make provisions for a subsequent subscription mechanism.
It is unfortunate that you feel the need to provide us with a poor review based on your own actions.
If you would have provided our customer support team with an opportunity to help you, they would have happily undone the account you had created in error and removed your details from our system.
We would therefore like to invite you to contact our Customer Support manager directly (https://ukcreditratings.com/credit/contact) who will be happy to provide their full assistance in relation to the comments you have made within your recent review.
We clearly describe the service we offer, the initial free trial period and subscription costs thereafter at the point of sign up through our website. All customers must positively agree to the terms of our service through a series of tick boxes prior to their application being accepted and processed.
These details are further reiterated within a series of emails that we send to every customer at the very start of their free trial, providing a 14-day window in which to fully use the service and it’s benefits without limitation, and cancel without charge should the service not meet their expectations.
We hope that you will provide us with an opportunity to resolve your complaint and look forward to hearing from you in due course.
Kindest regards
UK Credit Ratings Customer Support Team
Absolute scam artists signed up to see…
Absolute scam artists signed up to see if it would help get a loan totally oblivious that everyone else on here has the same issues to then read a couple and realise they take no accountability for their terrible scam of a website, the fact that every negative review is followed up with the same automated reply is hilarious! And the fake replies clearly made by themselves to cover up their tracks have actual replies just goes to show the competence of these people I’ll be taking this to my solicitor and hopefully save others from the same horrendous company😂
As I can’t reply for some reason I’ll put my reply here, I signed up for the services which wasn’t “free of charge” it was £1.50 not a problem but as I paid it re directed me to a page that kept failing to load regardless of what I used it on my laptop I pad and iPhone so do me a favour and go suck you’re mums Yh thanks fkn wanks 😀😀👍👍
22 October 2025
Unprompted review
Reply from UKCreditRatings
Dear Josh,
We have asked you to confirm your personal details and email address to Trustpilot so we can verify that you were an active account holder, and that the information you have included within your review accurately reflects your experience, which you have declined to do.
Based on the username and public profile you have used within your online review, we believe we have managed to locate the account you had recently created.
You have not made it clear which element of our service you found to be disingenuous other than to generalise the service we provide as a scam.
You initially applied to use our 14 day free trial service without charge, then cancelled your account in less than 24 hours without using the full range of services made available to you. It is disappointing that you have chosen to base your review on something you have not chosen to experience first-hand.
We respond to every review made through Trustpilot personally, none of the replies we issue are fake or automated.
We would therefore like to invite you to contact our Customer Support manager directly (https://ukcreditratings.com/credit/contact) who will be happy to provide their full assistance in relation to the comments you have made within your recent review.
We clearly describe the service we offer, the initial free trial period and subscription costs thereafter at the point of sign up through our website. All customers must positively agree to the terms of our service through a series of tick boxes prior to their application being accepted and processed.
These details are further reiterated within a series of emails that we send to every customer at the very start of their free trial, providing a 14-day window in which to fully use the service and it’s benefits without limitation, and cancel without charge should the service not meet their expectations.
We look forward to addressing any aspect of the service you feel did not meet with your expectations in due course.
Kindest regards
UK Credit Ratings Customer Support Team
This is a SCAM
£24.75 DD to my bank account from these scam artists.
Avoid at all costs.
18 October 2025
Unprompted review
Reply from UKCreditRatings
Dear David,
We would like to invite you to contact our Customer Support manager who will be happy to provide any further assistance in relation to the comments you have made within your recent review.
Our website clearly describes the service we offer, the initial free trial period and subscription costs thereafter at the point of sign up.
All customers must provide their personal information, including their bank details, and positively agree to the terms of our service through a series of tick boxes prior to their application being accepted and processed.
These details are further reiterated within a series of emails that we send to every customer at the very start of their free trial, providing a 14-day window in which to fully use the service and it’s benefits without limitation, and cancel without charge should the service not meet their expectations.
We are here to help and actively encourage you to contact our Customer Support manager to address any particular aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
Out of date information and cancelation…
Out of date information and cancelation not actioned until after second monthly payment taken. Very poor
13 October 2025
Unprompted review
Reply from UKCreditRatings
Dear Nigel,
We have asked you to confirm your personal details and email address to Trustpilot so we can verify that you were an active account holder, and that the information you have included within your review accurately reflects your experience, which you have declined to do.
Based on the username and public profile you have used within your online review, we believe we have managed to locate the account you had recently created.
You have suggested within your online review that we have provided ‘out of date’ information but have not elaborated on which information you found to be out of date.
Our credit reports are refreshed and updated weekly, all credit bureaus rely on timely information being provided by credit granting organisations and other public registers.
If you found that any information relating to your credit report was out of date, our support team would have happily provided their assistance and guidance on how to dispute the outdated information directly with the credit bureau through our online account portal.
We actively promote this element of our service throughout the sign-up process and within a follow up Welcome email which is sent to all customers the day their account is created.
A request to cancel your account was received via our customer support live chat service on day 20 of your membership, this request was actioned immediately, and a confirmation email was sent to you 38 minutes later.
As your membership lasted for just 20 days, only one payment was ever debited from your account, this payment has since been refunded to you.
We would like to invite you to contact our Customer Support manager who will be happy to provide any further assistance in relation to the comments you have made within your recent review.
We are here to help and actively encourage you to contact our Customer Support manager to address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
Easy to use and very clear report
Easy to use and very clear report. Used it for few months to better understand my rating and financial position. A bit pricey service for what it does. Spoke on the phone with Joe today who has been extremely helpful and efficiently handled my query, one of the best customer service calls I had in years. Clear, polite, efficiently handled and addressed the issue within minutes. Very refreshing experience
10 October 2025
Unprompted review
Reply from UKCreditRatings
Hi Aleksandra,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Jo/Giuseppe was very helpful
Giuseppe was very polite and helpful when I called the company today. I didn't have to wait very long for my call to be dealt with. Thank you
9 October 2025
Unprompted review
Reply from UKCreditRatings
Hi Sunnygirl,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
The scary thing is i dont actually…
The scary thing is i dont actually rember giving my card details. The 1.50 and the usuall 2 payments after that. It cost me 40 minutes of my life on the phone to the bank.
29 September 2025
Unprompted review
Reply from UKCreditRatings
Dear David,
We would like to invite you to contact our Customer Support manager who will be happy to provide any further assistance in relation to the comments you have made within your recent review.
We note that you provided your card details through your banks 3DS verification service at the point of application and successfully completed your KBA verification with our Credit Bureau in order to access your credit report within our online secure portal.
Our website clearly describes the service we offer, the initial free trial period and subscription costs thereafter at the point of sign up.
All customers must provide their personal information, including their bank details, and positively agree to the terms of our service through a series of tick boxes prior to their application being accepted and processed.
These details are further reiterated within a series of emails that we send to every customer at the very start of their free trial, providing a 14-day window in which to fully use the service and it’s benefits without limitation, and cancel the service without charge should it not meet with their expectations.
We note that your initial welcome email was received and opened from your email address the day you signed up to use our service. Our customer support teams contact details were included within this email who would have happily cancelled your account immediately, avoiding the unnecessary delay you experienced in contacting your bank.
The charges have been refunded to your account.
We are here to help and actively encourage you to contact our Customer Support manager to address any particular aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
Unknowingly signed up for the service…
Unknowingly signed up for the service while taking out a loan. Spent money I didn’t really need to nor had to spend.
Spoke to joe who was really helpful in cancelling the service and securing a refund.
29 September 2025
Unprompted review
Reply from UKCreditRatings
Dear Mitchell,
We would like to invite you to contact our Customer Support manager who will be happy to provide any further assistance in relation to the comments you have made within your recent review.
Our website clearly describes the service we offer, the initial free trial period and subscription costs thereafter at the point of sign up.
All customers must provide their personal information, including their bank details, and positively agree to the terms of our service through a series of tick boxes prior to their application being accepted and processed.
These details are further reiterated within a series of emails that we send to every customer at the very start of their free trial, providing a 14-day window in which to fully use the service and it’s benefits without limitation, and cancel without charge should the service not meet their expectations.
We are here to help and actively encourage you to contact our Customer Support manager to address any particular aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
Friendly service
Very friendly and understanding. Not money grabbing like most places theses days.
19 September 2025
Unprompted review
Reply from UKCreditRatings
Hi Ian,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Great experience with UKCreditRatings
Great experience with UKCreditRatings, signed up a few months ago and Caitlin was so helpful and gave all of the information I needed! Having the ability to add my rent payments to my credit report is amazing and its improved my rating already, this wasn't something I knew was possible so really happy with my experience.
17 September 2025
Unprompted review
Reply from UKCreditRatings
Hi Ella,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Be careful with this scam company
Be careful with this scam company. They hide the trial fee and are scamming people out of £25. Avoid at all costs and the people you phone up to cancel. Apparently takes up to 10 days to get a refund what takes ten days these days. Everybody report them
16 September 2025
Unprompted review
Reply from UKCreditRatings
Dear Rosie,
We have asked you to provide your full name or email address to Trustpilot so we can verify that you are an account holder, and that the information you have included within your review accurately reflects your experience, which you have declined to do.
We have no record of an account under the name you have provided within your review.
We would therefore like to invite you to contact our Customer Support manager directly (https://ukcreditratings.com/credit/contact) who will be happy to provide their full assistance in relation to the comments you have made within your recent review.
Our website clearly describes the service we offer, the initial free trial period and subscription costs thereafter at the point of sign up.
All customers must provide their personal information, including their bank details, and positively agree to the terms of our service through a series of tick boxes prior to their application being accepted and processed.
These details are further reiterated within a series of emails that we send to every customer at the very start of their free trial, providing a 14-day window in which to fully use the service and it’s benefits without limitation, and cancel without charge should the service not meet their expectations.
We are here to help and actively encourage you to contact our Customer Support manager to address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
Called for some advice on my reports…
Called for some advice on my reports provided by their site. Joe was extremely polite and helpful, fully explaining my questions.
He also helped with navigating me to areas of the site that were perhaps not as intuitive as they could be.
I think the reports are good, but can perhaps have additional information to explain the meaning. This would prevent me having to call their helpline.
17 September 2025
Unprompted review
Reply from UKCreditRatings
Hi Gary,
Thank you so much for taking the time to post your recent online review.
Your positive feedback is really appreciated by the team!
Kindest Regards
UKCreditRatings
Customer service is responsive.
I followed the signing up protocol and gave my bank account details but afterwards I asked for a refund - which was granted - as I was unable to use the service as I planned. Customer service was responsive which was appreciated.
29 August 2025
Reply from UKCreditRatings
Dear J P,
We have asked you to provide your full name or email address to Trustpilot so we can verify that you are an account holder and that the information you have included within your review accurately reflects your experience of our service which you have declined to do.
Our service is made available to individuals residing in the UK, we note that your review has been made from a Trustpilot account located within the Seychelles, we believe that the UK credit bureau is therefore unable to identify you, and your account with UK Credit Ratings has been cancelled.
We are happy to investigate further and would therefore like to invite you to contact our Customer Support manager directly (https://ukcreditratings.com/credit/contact) who will be happy to provide their full assistance in relation to the comments you have made within your recent review.
Our website clearly describes the service we offer, the initial free trial period and subscription costs thereafter at the point of sign up.
All customers must provide their personal information, including their bank details, and positively agree to the terms of our service through a series of tick boxes prior to their application being accepted and processed.
These details are further reiterated within a series of emails that we send to every customer at the very start of their free trial, providing a 14-day window in which to fully use the service and it’s benefits without limitation, and cancel without charge should the service not meet their expectations.
We are here to help and actively encourage you to contact our Customer Support manager to address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
Do not log in
Do not log in — you won’t even realize when you’re signing up for a monthly subscription of £24.99. I contacted the company for a refund, and during the review process, they told me not to report it as fraud to the bank because it would take longer. Then, around 24 hours later, they replied saying I wouldn't get a refund because I had supposedly accepted the subscription — even though I never received any clear information saying that monthly payments would be taken. Of course, I have reported the issue to my bank.
12 September 2025
Unprompted review
Reply from UKCreditRatings
Dear John,
We have asked you to provide your full name or email address to Trustpilot so we can verify that you are an account holder and that the information you have included within your review accurately reflects your experience of our service which you have declined to do.
We would therefore like to invite you to contact our Customer Support manager directly (https://ukcreditratings.com/credit/contact) who will be happy to provide their full assistance in relation to the comments you have made within your recent review.
Our website clearly describes the service we offer, the initial free trial period and subscription costs thereafter at the point of sign up.
All customers must provide their personal information, including their bank details, and positively agree to the terms of our service through a series of tick boxes prior to their application being accepted and processed.
These details are further reiterated within a series of emails that we send to every customer at the very start of their free trial, providing a 14-day window in which to fully use the service and it’s benefits without limitation, and cancel without charge should the service not meet their expectations.
We are here to help and actively encourage you to contact our Customer Support manager to address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
Read this if you want a subscription refund
Like many I fell for the subscription charge which I didn’t consider was made adequately clear. After speaking to an agent my subscription was quickly cancelled but a refund was declined.
I wrote the following email which quickly resulted in a change of heart and I was promptly refunded. You are welcome to use the template if you are in a similar position.
Dear sir,
I have been inadvertently subscribed to your service. I have no doubt you can evidence terms an conditions in small print, but I do not consider that your communication and promotion meets the FCA expectation of being 'clear, fair and not misleading'. The assertion is supported by the number of complaints you receive on Trustpilot for the same reason. On this basis I request a refund of the two payments already deducted totalling £26.45.
If you do not agree to this I will take the matter to the FCA and the ICO as well as requesting a chargeback claim via my bank but I hope this can be resolved without necessitating such action.
Faithfully
12 September 2025
Unprompted review
Reply from UKCreditRatings
Dear David,
We are here to help and actively encourage you to contact our Customer Support manager to address any particular aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
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