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
3.5
Average
2K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 84% of negative reviews
Typically replies within 1 month
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
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.
September 17, 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
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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
September 16, 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.
September 17, 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.
August 29, 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.
September 12, 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
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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
September 12, 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
AVOID! BEWARE! - Potential subscription trap!
AVOID! BEWARE! - ! Potential subscription trap!
I signed up for a credit file report. Nominal fee charged. Apparently I had also signed up to a free trial of 14 days and a recurring monthly subscription fee of £24.95! Paid two installments, then on reviewing my card statements requested a refund as I had NOT used the service further. They insisted I had signed up and there T&Cs were disclosed. On explaining this I was told no refund would be forthcoming as I had ACESS to the service, clearly a caveat emptor response! Card company unable to assist with refund but have stopped any recurring charges.
July 1, 2025
Unprompted review
Reply from UKCreditRatings
Dear James,
We have asked you to provide your full name or email address to Trustpilot so we can verify if you are an account holder which you have declined to do.
We would 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
Applied for some loans recently and A…
Applied for some loans recently and A link came up half way through the Application for a help and Advice if the loan was unsuccessful I clicked NO To not receive This and continued my Loan Application on which I had to enter bank details
Today I received an email confirming a £24.95 monthly DD for this Service ( Which I said NO To ) To the bank I entered BUT DID NOT ASK FOR HELP
On calling the Ignorant company staff was advised I did sign up for it and I did not understand what I was doing And That I did not even Apply for a loan I only applied for This Useless Not Needed Service
PLEASE BEWARE these companies along with Online Companies just sneak in a small box or Link that seems to look like everything else you are completing and you end up with this
ALSO
Until Today I did not receive any other correspondence or emails confirming I had signed for this service so Very strange that the first contact After ticking NO is my first DD updates For Payment
BEWARE
They maybe registered but the way money can be obtained is not always well intended
August 11, 2025
Unprompted review
Reply from UKCreditRatings
Dear L D
We have asked you to provide your full name or email address to Trustpilot so we can verify if you are an account holder which you have declined to do.
Despite our thorough attempts, we have been unable to replicate the issues you have described within your recent review, but we still want to help you resolve this.
We would like to invite you to contact our Customer Support manager directly (https://ukcreditratings.com/credit/contact) who will be happy to offer their full assistance and address any aspect of the service you feel did not meet with your expectations.
Kindest regards
UK Credit Ratings Customer Support Team
Sent an email to cancel
Sent an email to cancel. They ignored it under guise of they haven't received it. Have now tried to do so again. There is no option online to cancel a membership. They've taken £50+ from me for zero services. I haven't used them.
On top of this there appear to be a number of fake reviews on this site. They are a SCAM.
July 10, 2025
Unprompted review
Reply from UKCreditRatings
Dear Harry,
We have asked you to provide your full name or email address to Trustpilot so we can verify if you are an account holder which you have declined to do.
We would 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.
All emails to our customer services team are acted on, none are ignored, 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
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I did not agree to the 14 day trial…
I did not agree to the 14 day trial period and tried to cancel it. There were no options to cancel the DD.
I have had £24.00 taken out of my bank account. I never received anything from them in the form of any advice over the trial period and have been charged for not receiving anything. It felt like l had been scammed. I read other reviews which were appalling as other people were having the same problem as myself.
Some people managed to cancel the DD before it went out of their bank account l was not so lucky.
I have now managed to cancel the DD and would like a refund.
July 28, 2025
Unprompted review
Reply from UKCreditRatings
Dear Teresa,
We have asked you to provide your full name or email address to Trustpilot so we can verify if you are an account holder which you have declined to do.
We would 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
SCAMMERS SCAMMERS SCAMMERS
I apparently signed up for the 2 week trial, and was charged three months of £24.95 before I realised. The only thing I was aware of signing up for was a one-off fee of £1.50. I had received ZERO emails: no initial welcome email, nor a reminder the free trial was ending, nor any of the weekly emails I was apparently subscribed to, and yes I do check my junk folder.
I was sent around the houses, when requesting a refund. My emails were ignored. Eventually I did get a refund however, which I am grateful for, but I nearly gave up.
I am a very careful person with free trials. I did not want or need their service and even if I did, would not have been interested in a free trial for only 2 weeks, followed by such high monthly payments. I actually believed the £1.50 I agreed to was with a different company! I was provided with three credit ratings companies to check (as advised by vodafone) and UKcreditratings was not one of them. I don't know how they did it, but they must have had some sort of pop up or something that redirected me to them.
I was very confused about what happened, but upon looking at other reviews of them, I can see that mine is a common experience. These are SCAMMERS. AVOID.
PS if you are struggling to get a refund, contact your credit card or bank, and set up a dispute.
August 4, 2025
Unprompted review
Reply from UKCreditRatings
Dear Ali,
We have asked you to provide your full name or email address to Trustpilot so we can verify if you are an account holder which you have declined to do.
We would 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
I spoke to a young man called Joe...
I spoke to a young man called Joe.... He was very polite and explained e everything very well to me. Although I thought it was a call from a loan company. we did talk about my credit.
A very nice young man.
August 1, 2025
Unprompted review
Reply from UKCreditRatings
Hi Ms.Miller,
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
Very helpful team especially Joe,thank…
Very helpful team especially Joe,thank you
August 1, 2025
Unprompted review
Reply from UKCreditRatings
Hi Vadim,
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
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DON’T USE THE SERVICE!
They don’t tell you they are free trial only when creating accounts. They didn’t send a email to you about the subscription. They can only cancel by call/email/live chat.
I’m not sure they will cancel and refund correctly, as I just check my bank account and found out they collecting a bill that I can’t recognise and they are interrupting my payment! And after checked, their website says they provide 14 days free trial which I don’t know and they will automatically change to paid membership, which I don’t knows before and didn’t got charges for over 2 months. While I created the account they didn’t say anything and I can’t select any membership I want and says it free!
DON’T USE THE SERVICE!
July 20, 2025
Unprompted review
Reply from UKCreditRatings
Dear SiuYingChi,
We have asked you to provide your full name or email address to Trustpilot so we can verify if you are an account holder which you have declined to do.
We would 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. Customers can cancel at any point either through our online cancellation link, out of hours bot chat, by email, telephone, live chat or by text message.
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
Spoke to Giuseppe
Spoke to Giuseppe, he was very helpful in my issue with my file
Thank you Giuseppe
July 16, 2025
Unprompted review
Reply from UKCreditRatings
Hi,
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
Michael Walker is a gem
Michael Walker is a gem. He was so kind and understanding! Thank you Michael.
July 14, 2025
Unprompted review
Reply from UKCreditRatings
Hi,
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
Reply from UKCreditRatings
Dear Maria,
We would 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 of ‘Bad, Horrible, Terrible’ you have made in relation to our service.
Our website clearly describes the service we offer, the initial free trial period and subscription costs thereafter at the point of sign up.
We note that you have not been charged for the service we have made available to you and have successfully completed the identity verification and 3DS security checks, providing you with access to your Credit report, Credit score, Dark Web monitoring and other membership benefits.
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
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Lewis provided a 10 out of 10 service…
Lewis provided a 10 out of 10 service and provided a solution to my problem efficiently and effectively
July 11, 2025
Unprompted review
Reply from UKCreditRatings
Hi,
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
I spoke to Michael on the phone today…
I spoke to Michael on the phone today and wow what a very pleasant guy. Listened to my issue, made positive comments and helped resolve the problem.generally a really helpful and knowledgeable. He deserves a five star rating.
July 8, 2025
Unprompted review
Reply from UKCreditRatings
Hi,
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
Rang them today to cancel a…
Rang them today to cancel a subscription,set up in my name after data breach. He couldn't have been more helpful and understanding. Cancelled the subscription straight away.Fantastic service.
June 26, 2025
Unprompted review
Reply from UKCreditRatings
Hi,
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
The Trustpilot Experience
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Learn about Trustpilot’s review process.
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