Review Time
My personal experience with this company is they do not care about you as a customer all they are interested in is taking your money and then will tell you lies to stop any refunds.
I never received my card but paid twice then after emails with this company I was told they will not be giving me any refund but when you start to tell them the law they soon think twice.
Even though my account has now been closed they have decided to report to my credit file incorrect information which I have now opened a case.
If you do some research before signing up you can find other companies that offer the same service with better reviews
My personal experience with this company is they do not care about you as a customer all they are interested in is taking your money and then will tell you lies to stop any refunds.I never received my card but paid twice then after emails with this company I was told they will not be giving me any refund but when you start to tell them the law they soon think twice. Even though my account has now been closed they have decided to report to my credit file incorrect information which I have now opened a case.If you do some research before signing up you can find other companies that offer the same service with better reviews
I paid for the annual subscription which was nearly £80.It gives you a card that you can spend up to £30 a day on, if you have that money on your account. This card has not improved my credit rating over the year I've had it.The worst thing is now I want to cancel the card, I cannot get it done. There's no phone number, you send an email, get a stock response from a 'customer service' agent asking for you to send further info, but the return email bounces back. I have tried send all the info they need in one email, but still get the same stock reply. I have cancelled the direct debit to stop the next annual fee going out. But if this bounces it will negatively effect my score, which is the opposite of why I have taken the card out!A disaster of a company, stick with more well known ones!
In my personal opinion, Build My Credit Score has been an absolute disaster to deal with. I have never encountered a company so disorganised, confused, and incapable of handling even the simplest request.Throughout my experience, I was handed from one agent to another, each giving me completely different information. It honestly felt like nobody had any idea what the previous person had done. The level of internal confusion was unbelievable — as if the left hand had no idea what the right hand was doing.I was even given written confirmation that my account would be closed automatically once my refund was completed. Months later? I was suddenly told something else entirely. To me, this shows a shocking lack of professionalism and reliability. It’s incredibly frustrating to watch a company contradict its own statements.Even worse, unpaid payment entries appeared on my credit file — something that should never have happened. In my view, this is the result of their internal mess, and dealing with the fallout has been stressful, slow and frankly exhausting. Instead of helping me build my credit score, they created more problems than they solved.Overall, my experience has been overwhelmingly negative. Build My Credit Score needs serious internal restructuring, better communication practices, and a much higher level of competence if they want to operate a service that directly affects people’s credit history.I would strongly advise others to think twice before trusting them with something as important as their credit record.
Literally impossible to get urgent support.t card got stolen somehow before I could even relieve it in my letter box, as I got notifications of declined transactions at a nearby town when I was at home. I even contacted one of the merchants and confirmed someone had come in to make a payment and their card got declined. The live chat was useless as nobody was responding other than a bot, there is no direct number, and we all know emails can take time. Meanwhile my own personal bank account is connected to this and there was no way of disconnecting it. Literally rather not even build my credit,
I had an outstanding balance with BuildMyCreditScore, and while the repayment process had its tense moments, I appreciate that the matter has now been resolved professionally.Nikita from the support team was courteous, clear, and respectful in handling the closure. The remaining balance was written off as agreed, and the account has been fully closed with no further charges applied.Though I would have preferred more flexibility in the early communication phase, I recognise the company has policies to follow. I'm grateful that they honoured our agreement and confirmed that my credit file would reflect a settled balance of £0.00.Overall, I appreciate the professionalism shown throughout the process. Thank you.— Adeyemi John Adesuyan
I cancelled immediately after signing up and confirmed by email that i cancelled, yet you issue a card for me and tell me to activate it. I made it clear that I would not be paying for our service as I cancelled immediately and never used it. Yet you send me a card and tell me you'll report me the the credit reference agencies, if I don't pay. Absolutely terrible company. Avoid at all costs. *Update for my response.... I did reply!!!!! Absolutely shameless company. I cancelled immediately after signing up and confirmed by email when asked, if I wanted to cancel. This company are very very underhand!
Sorry for the low score as after 3 attempts to illicit a response from yourselves you have still not replied to my emails. If for some reason you no longer want a relationship with me then tell but also stop keep resetting up my DD. All I am asking for is a bit of courtesy and respond to my emails.
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