BuildMyCreditScore 17+

Build your credit score

Currensea Limited

    • 4.6 • 407 Ratings
    • Free

iPhone Screenshots

Description

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

What’s New

Version 1.20

Our latest release includes:
- General bug fixes and improvements

Ratings and Reviews

4.6 out of 5
407 Ratings

407 Ratings

H2911_ ,

Easy sign up and great app to use

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!

_nessie_x ,

Untrusted app

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

Nishal nishu ,

Worst app i ever used

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

App Privacy

The developer, Currensea Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

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

Privacy practices may vary based on, for example, the features you use or your age. Learn More

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

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