BuildMyCreditScore Reviews 

394
•
TrustScore 3.5 uit 5

3,3

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Lees wat reviewers zeggen

Beoordeeld met 2 van de 5 sterren

I want to cancel my subscription and need to change my password to do so but it relocates you to a broken webpage telling you to download the app and no reset instructions sent to my email. I've... Toon meer

Bedrijf heeft geantwoord

Beoordeeld met 3 van de 5 sterren

So I did have a problem with BMCS due to some late payment fees but they have since given a good will gesture and I now only have to pay the actual balance owed. BMCS hasn't improved my credit score... Toon meer

Beoordeeld met 5 van de 5 sterren

Very easy to set up an account. Helps to improve your credit score. The account is linked to your bank account , so you are in control of your spending. You will get an actual card for your daily shop... Toon meer

Beoordeeld met 3 van de 5 sterren

The card is a great concept, but I've had real trouble with my direct debit being taken from my account which in turn blocked my account for at least 2 months. Other than this it does provide real... Toon meer

Bedrijfsgegevens

  1. Alternatieve financiële diensten
  2. ook in
  3. Financiële instelling
  4. Kredietinformatiebureau
  5. Niet-bancaire financiële diensten

Geschreven door het bedrijf

A good credit score can change lives, especially for important long-term goals like mortgages, car loans, or getting the best possible repayment plan on bigger purchases. Despite this, few alternatives for building credit exist. We’re here to change that.

BuildMyCreditScore

Geschreven door het bedrijf

The Debit Card that builds your Credit Score
BuildMyCreditScore is the UK’s first debit card that works with your bank to build your credit score

Contactgegevens

3,3

Gemiddeld

TrustScore 3.5 uit 5

394 reviews

5 sterren
4 sterren
3 sterren
2 sterren
1 ster

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3,3

Alle reviews

(394)

14 reviews in de afgelopen 12 maanden

Een review schrijven
Bedrijven op Trustpilot mogen geen beloningen aanbieden of betalen om reviews te verbergen. Reviews zijn de meningen van individuele gebruikers en niet van Trustpilot. Meer informatie

Beoordeeld met 1 van de 5 sterren

FRAUD

Used this Service to help build my credit score however, all of a sudden a week of using at had fraudulent payments taken from my account totalling £50 under shady names. I did NOT approve these payments and they somehow were setup as direct debit payments. Contacted my bank and had to freeze my card. DO NOT USE this company's services they are not worth the damage.

27 november 2024
Review zonder uitnodiging
Logo BuildMyCreditScore

Antwoord van BuildMyCreditScore

Hi Bakhtawar,

Thanks for taking the time to leave this review, and we're sorry to hear about your recent experience.

We've had a look with our Customer Support team and it seems like this issue may have been due to a misunderstanding over how our product works. We collect individual payments via Direct Debit but we do not set up any recurring Direct Debits for you.

We can see that our Customer Support team responded to your message within a few hours on November 27th to request some additional information from you but didn't receive a response.

Best wishes,
BuildMyCreditScore Team

Beoordeeld met 5 van de 5 sterren

Really good card to have

Really good card to have , helps me with my credit score already, only had this card for a couple of months, so easy to get started and easy to use.

11 november 2024
Beoordeeld met 1 van de 5 sterren

Very poor communication if issues…

Very poor communication if issues arises with this company very slow to resolve any issues very poor response to any card issues freezing card when they feel like it and I check with TransUnion score and they give a much higher score than they say it's not accurate for me

11 november 2024
Logo BuildMyCreditScore

Antwoord van BuildMyCreditScore

Hi Margaret,

Thanks for taking the time to leave this review, and we're sorry to hear about your experience.

We've had a look and can see that our Customer Support team has responded to you promptly, and that your card was frozen a few times because we were unable to collect the funds from your account, on a few occasions, for transactions you made using your BuildMyCreditScore card. We sent an automated email explaining this each time it happened.

The credit score we show in the BuildMyCreditScore app is your up to date "TrueVision" score provided to us by Transunion. The score we show in your app is up to date but, because different Credit Reference Agencies may calculate your score differently and use different bandings, it may differ from what you see from other providers.

We report your spending and account activity to the Credit Reference Agencies and they will use that information, amongst information received from other financial institutions, to calculate your score respectively.

Best wishes,
BuildMyCreditScore Team

Beoordeeld met 1 van de 5 sterren

My experience.

I'm only speaking from my experience, and that was 3 times on using this card it was declined, leaving me feeling embarrassed at the checkout at the supermarket. I then find out that although it is linked with my bank card, and works along side it, you have a limit of £30 to spend, anything above that and the card will decline a payment. I found that unbelievable if it's linked to my bank account! So I'm not using it, and found another way to build my credit.

11 november 2024
Logo BuildMyCreditScore

Antwoord van BuildMyCreditScore

Hi Tricia,

Thanks for taking the time to leave this review, and we're sorry to hear that you're not happy with the product.

To explain why the daily limit is lower than your current available bank balance, your BuildMyCreditScore debit card is specifically designed for small everyday purchases such as coffee, snacks and other incidentals, as well as regular payments like Netflix and Spotify. We will then collect the payment from your linked account via Direct Debit a couple of days later.

Making these small purchases using BuildMyCreditScore allows us to report your spend to Credit Reference Agencies and help improve your credit score, without the risk of needing to use a high interest credit card.

We also always show how much you have available to spend in the home page of the BuildMyCreditScore app so you know what you can spend before making any larger purchases.

I hope this clarifies these aspects of the product, and that you enjoy the rest of your week!

Best wishes,
BuildMyCreditScore Team

Beoordeeld met 5 van de 5 sterren

Worth it

Really easy to set up, no fuss. Got the card within a few days and the process actually works as promised! The monthly fee is very reasonable too.

11 november 2024
Beoordeeld met 3 van de 5 sterren

The card is a great concept

The card is a great concept, but I've had real trouble with my direct debit being taken from my account which in turn blocked my account for at least 2 months.

Other than this it does provide real results for your credit file.

11 november 2024

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