BuildMyCreditScore

Name: BuildMyCreditScore
Rating: 4.5 (446 reviews)
Author: Currensea Limited

Build your credit score

Only for iPhone

Free

446 Ratings
Ages

18+
Years
Category

Finance
Developer

Currensea Limited
Language

EN
English
Size

75.3
MB

iPhone

BuildMyCreditScore - The debit card that works with your bank to build your credit score through everyday spending¹. The majority of our customers that used the product as recommended, see an increase in their score of between 11 and 55 points within the first 3 months². LEARN MORE ▪ Works with all the major UK high-street banks ▪ Reports to the 3 main UK credit reference agencies: Experian, Transunion and Equifax ▪ Soft credit check is not visible to lenders ▪ No interest rates or hidden fees ▪ Designed to build your credit score ▪ Sign-up in under 5 minutes HOW IT WORKS ▪ Sign up and connect your BuildMyCreditScore debit card to your bank account. ▪ Use your new debit card for small daily purchases, and we'll process the payment a few days later using direct debit. ▪ At the end of every month, we report your purchases and payments to the 3 main UK credit reference agencies to build your credit¹. WHAT OUR CUSTOMERS THINK: “It’s a great card so easy to use, helps build your credit every time you use it, just use it in any shops.” “Highly recommended, especially in this day and age when everything is based on credit scores.” “I am delighted as this is exactly what I signed up for with this card.” FAQS What are the best ways to use BuildMyCreditScore? ▪ The debit card is specifically designed for small everyday purchases such as coffee, train fares and other incidentals, as well as regular payments like Netflix and Spotify. What sets the card apart is its optimisation to transform those seemingly insignificant purchases into significant boosts to your credit score². How long will it take to build credit? ▪ You should think of this as a 12-month journey to establish a robust credit history. For the price of just a few cups of coffee per month, you’ll have the opportunity to save thousands of pounds on future borrowing³. ¹ BuildMyCreditScore reports on time and late payments, which may negatively impact your credit score. Credit scores are independently determined by credit reference agencies based on a number of factors, including your other financial transactions. BuildMyCreditScore reports to Transunion, Experian and Equifax. The BuildMyCreditScore Debit Card and related services will not remove negative credit history from your credit report. ² Data is based on a study of active customers with good credit habits. Individual results may vary. For details please see the full study at buildmyscreditscore.com/study. ³ Estimates based on a study by MoneyComms.co.uk 22.09.2022

Ratings & Reviews

4.5

out of 5

446 Ratings

Easy sign up and great app to use
27/08/2023

H2911_
You’re able to find your credit score and transactions made all in one place! A very easy application process and an even better way to build your credit score. Love it!
Easy sign up and great app to use
27/08/2023

H2911_

You’re able to find your credit score and transactions made all in one place! A very easy application process and an even better way to build your credit score. Love it!
Untrusted app
11/03/2024

_nessie_x
I don’t think this app can or should be trusted whatsoever!! I registered thinking I would be able to save an exact amount into in monthly which will enable me to build my credit score.. I was charged £7.95 and was asked to link my bank account, which I did… I had only realised it wasn’t a savings account and had requested for the closure of my account. I have received an email to send my date of birth which I have done however my account is still active ! I have just been on the app and tried unlinking my bank account but there’s no way to do that on the app, there’s option to link another account but no option to unlink an existing account ! I would take this app as a SCAM app and if not I need my account closed and my bank details unlinked as they have refused to close my account and kept sending me emails
Untrusted app
11/03/2024

_nessie_x

I don’t think this app can or should be trusted whatsoever!! I registered thinking I would be able to save an exact amount into in monthly which will enable me to build my credit score.. I was charged £7.95 and was asked to link my bank account, which I did… I had only realised it wasn’t a savings account and had requested for the closure of my account. I have received an email to send my date of birth which I have done however my account is still active ! I have just been on the app and tried unlinking my bank account but there’s no way to do that on the app, there’s option to link another account but no option to unlink an existing account ! I would take this app as a SCAM app and if not I need my account closed and my bank details unlinked as they have refused to close my account and kept sending me emails
Worst app i ever used
16 Jan

Nishal nishu
I had a very disappointing experience with BuildMyCreditScore. Despite requesting to close my account before the subscription renewal date, the company insisted that I pay the full annual fee before they would process my cancellation. This policy feels unfair and exploitative, especially when I no longer have any use for the app.To make matters worse, the app did not deliver on its primary promise: improving my credit score. Despite following their guidance, I saw no meaningful improvement. I feel misled and regret subscribing in the first place. I cannot recommend this service to anyone looking to improve their credit score.

Developer Response
Hi there, thanks for leaving this review. We've had a look into the experience you've described in your review and can see that this doesn't match what actually happened when you contacted our Customer Support team.We can see that you contacted the team, your renewal date was in the past. This meant that when the Customer Support team responded to you, they informed you that the collection process was already in progress and that you would need to wait for the payment to finalise before your account could be cancelled and the fee refunded.We can see that you ended up cancelling your Direct Debit before the payment was collected from your bank account so no refund was required and your account was fully closed shortly after.We're sorry that you didn't get the benefits of the product that you were hoping for. BuildMyCreditScore should be seen as part of a journey to help you improve your Credit Score. It's not a quick fix and there are factors outside of BuildMyCreditScore that can cause your score to go up or down on a month to month basis. This includes any other bills, credit cards, debts, or loans etc you may have through other services.Our evidence shows that the majority of our customers that used the product, as recommended, see an increase in their score of between 11 and 55 points within the first 3 months. As mentioned, individual results may vary and your credit score is made up of a number of factors that could impact your results.Best wishes,BuildMyCreditScore Team
Worst app i ever used
16 Jan

Nishal nishu

I had a very disappointing experience with BuildMyCreditScore. Despite requesting to close my account before the subscription renewal date, the company insisted that I pay the full annual fee before they would process my cancellation. This policy feels unfair and exploitative, especially when I no longer have any use for the app.To make matters worse, the app did not deliver on its primary promise: improving my credit score. Despite following their guidance, I saw no meaningful improvement. I feel misled and regret subscribing in the first place. I cannot recommend this service to anyone looking to improve their credit score.
Developer Response 5 Feb
Hi there, thanks for leaving this review. We've had a look into the experience you've described in your review and can see that this doesn't match what actually happened when you contacted our Customer Support team.We can see that you contacted the team, your renewal date was in the past. This meant that when the Customer Support team responded to you, they informed you that the collection process was already in progress and that you would need to wait for the payment to finalise before your account could be cancelled and the fee refunded.We can see that you ended up cancelling your Direct Debit before the payment was collected from your bank account so no refund was required and your account was fully closed shortly after.We're sorry that you didn't get the benefits of the product that you were hoping for. BuildMyCreditScore should be seen as part of a journey to help you improve your Credit Score. It's not a quick fix and there are factors outside of BuildMyCreditScore that can cause your score to go up or down on a month to month basis. This includes any other bills, credit cards, debts, or loans etc you may have through other services.Our evidence shows that the majority of our customers that used the product, as recommended, see an increase in their score of between 11 and 55 points within the first 3 months. As mentioned, individual results may vary and your credit score is made up of a number of factors that could impact your results.Best wishes,BuildMyCreditScore Team
Do not recommend
04/12/2024

Tyranasuarus
Seems like a good idea, but be aware if you cancel your direct debit or wish to close your account they will set up a new direct debit automatically from 1 of 2 bank accounts on your account with them, DO NOT BOTHER USING, have raised this issue several times and have gotten no where, and I have provided all the necessary information, if this continues after my account is closed I will be taking legal action since I no longer have an account why try and charge me for something I don’t have 😡😡😡😡

Developer Response
Hi there, thanks for leaving this review. If the Direct Debit is cancelled it will be automatically reinstated to prevent the risk of missed payments.As per our Terms and Conditions and FAQs, cancelling your Direct Debit is not the same thing as closing your account. You need to contact our customer support team and respond to the security questions asked, after which your account will be closed. However, we would need to wait for any pending payments to complete first of all.Best wishes,BuildMyCreditScore Team
Do not recommend
04/12/2024

Tyranasuarus

Seems like a good idea, but be aware if you cancel your direct debit or wish to close your account they will set up a new direct debit automatically from 1 of 2 bank accounts on your account with them, DO NOT BOTHER USING, have raised this issue several times and have gotten no where, and I have provided all the necessary information, if this continues after my account is closed I will be taking legal action since I no longer have an account why try and charge me for something I don’t have 😡😡😡😡
Developer Response 5 Feb
Hi there, thanks for leaving this review. If the Direct Debit is cancelled it will be automatically reinstated to prevent the risk of missed payments.As per our Terms and Conditions and FAQs, cancelling your Direct Debit is not the same thing as closing your account. You need to contact our customer support team and respond to the security questions asked, after which your account will be closed. However, we would need to wait for any pending payments to complete first of all.Best wishes,BuildMyCreditScore Team

Our latest release includes: - General bug fixes and improvements

Version 7.0

6 days ago

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
- Usage Data
Data Linked to You

The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Identifiers
- Usage Data
Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Diagnostics