It pays to know the score. Are you ready to get smarter with your credit?
TotallyMoney provides a totally free credit score and report, giving you all the expert information you need to take control of your borrowing. Download the app now and discover the steps you can take to build a better credit rating.
We show you your Borrowing Power and help you protect your credit file by finding you the credit cards and loans you are most likely to be accepted for. All delivered direct to your phone. Stay in control of your finances with the personalised intelligent alert service that will let you know when anything changes on your credit report and when you could be accepted for better credit products.
TotallyMoney’s services are totally free with thousands of people using them every day to find the loan or credit card they are most likely to be approved for. Get started by downloading the TotallyMoney app now and discover what your credit score means for you.
• Follow a borrowing power-boosting action plan to build a bulletproof credit profile.
• Get notifications of changes in your score and of new offers you could be accepted for.
• See the best-matched credit offers your borrowing power can unlock for you right now.
• Get full access to your credit score and report to help you protect your credit file. No impact on your credit rating
Use the TotallyMoney app to track your live credit score and find out how to make your credit history work harder for you. See personalised credit insights for your income and individual circumstances, plus your reports are automatically updated every month and you’ll get an alert with details of any changes. You can log in to your personal online dashboard and check your score at any time.
Check Your Borrowing Power
See at a glance how attractive you are to lenders. Whatever your goals, sign up for this practical report and take the first step towards making them happen.
Find Credit Cards
Whatever your financial plans, we’ll help you find the credit cards you’re most likely to be accepted for.
Find out which loans you qualify for without adversely affecting your credit file.
Search over 5,000 mortgages (98.5% of the market). Get the best of both worlds by comparing deals exclusive to brokers as well as those exclusive to lenders.
We provide your unique Borrowing Power level, which shows you how likely you are to be accepted for credit. Borrowing Power is based on real-world, real-time lending decisions from a wide range of lenders across a broad selection of products. Unlike our competitors, we show your credit matches ranked by Match Factor.
Match Factor makes it easier for you to find the best credit product by analysing each product’s features and application process and your personal credit eligibility. Your results are ranked according to what our algorithm thinks are the most suitable for you.
TotallyMoney.com is completely free. You only need to be 18+ years old and a resident of the UK.
So, what are you waiting for? Download TotallyMoney today, get your free score and report, then learn how you can boost your borrowing power.
TotallyMoney is an independent credit broker, not a lender. It provides a free comparison service to customers, though it may be paid a fee by lenders.
TotallyMoney is owned and operated by TotallyMoney Ltd which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Ltd is an Appointed Representative of MI Money Ltd, which is authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). TotallyMoney Ltd. and MI Money Ltd. act as credit brokers, not credit lenders. Registered Office: Chapter House, 16 Brunswick Pl, London N1 6DZ. Registered in England and Wales. Credit is available, subject to status, only to UK residents aged 18 or over.
If you had issues with the info on your credit utilisation and payments section of your credit report, this has been fixed. But, don't worry, this didn't impact your credit score at all. And, you might have had some troubles raising a dispute about a CCJ. We fixed this for you too, so everything is as it should be on your credit report analysis when you go back.
Ratings and Reviews
Great content, bad delivery
After initial problems finding my account, I was able to resolve this in a few months.
The analysis provided in the app is better than other credit report apps that I have seen but isn’t delivered in a great way, for example the app can’t save your credentials and you have to login each time, no using finger print.
In app notifications when a new report is ready would make it better as well.
Pointless - can’t find credit report.
Signed up to see my credit report with Call Credit, but they couldn’t find a credit report for me. I see from some other reviews that I’m not alone.
I have reviewed my Experian and Equifax reports and had noted some inaccuracies that needed correcting, so I wanted to check against the third credit reference company.
Following the failure to obtain my report I contacted their help desk and received the following (excerpt):
There are a number of verification steps in the authentication process that we follow every time we request data from Callcredit. And based on the details you provided this time, we are unable to access the data needed to produce your Credit Report.
In some cases, this is because the personal information used to sign up does not match the information supplied to Callcredit by lenders. Please contact your lenders and credit card issuers directly to check.
I’ve had several mortgages, loans and credit cards as well as utilities, and have been on the electoral roll for over 25-years - all under the same name and address as was provided. So, I’m rather surprised that they still can’t find me! They did, however, have sufficient information to provide financial products to sell to me as ‘offers’...
I’ve cancelled my account and chalked it up to a poor implementation of an app.
Developer Response ,
Thank you for getting in touch.
We use the information you provide to us when registering to match with the details that are held on you by Callcredit. Unfortunately, it appears that Callcredit have been unable to match these details.
This could be because Callcredit have been provided with incorrect information on you. You can request your statutory report from Callcredit to check the information that is being held on you. If you do notice any errors, you can then arrange for these to be rectified.
Unfortunately, as this is provided by Callcredit we are unable to provide further information on what has caused this problem.
The offers you mentioned are not provided by Callcredit however. We may have been able to show this as we don't rely on the information from them and instead use the information provided when registering your account.
I'm sorry I haven't been able to help further, if you have any further questions or concerns, please email email@example.com
In some areas it gives you more information than ClearScore and has some really nice features. My credit score is being adversely affected by a loan company saying I’m not paying - This isn’t true so I’ve raised a dispute which was easy to do through TM - This anomaly was not clear on ClearScore and the dispute raising button doesn’t work. So TM wins here. My biggest frustration is the login - No Face/Touch ID support and no password pre-fill. I physically have to go to Passwords bit in settings then it adds my password but blanks out the e-mail address so I have to manually type this in again. It’s a ball ache and this stops me using the app more frequently - Streamline the login process and you have a far more usable and better app.
Up to six family members will be able to use this app with Family Sharing enabled.