Welcome to our Help Centre,
Where you can find answers to frequently asked questions and get the support you need.
If you can’t find the answers below,
you can contact us direct by clicking the Contact Us button above.
How does the Credit Score Pro work?
Credit Score Pro is a 24 factor credit check and also a fraud ID check so you can check what your credit score is FREE FOR THIRTY DAYS! With Credit Score Pro you can also book a free credit score health check with one of our credit file specialists to review your credit file and ensure you know how to use our system and make the most of our Credit Score Pro Service.
How does the Credit Boost Pro work?
Our Credit Boost Pro account is FREE FOR THIRTY DAYS! And not only provides you with our 24 factor credit check and also an identity fraud check but it is also a financial product designed to improve your credit score if it is not great.
When you make your monthly payment of £29.99 we ensure this is reported back to the credit reference agencies in the same way a personal loan repayment is reported.
The successful payments will build up your credit payment history. This will indicate to lenders that you are able to responsibly borrow money and to repay it back over a period of time.
It is important to know that you will not receive any money as part of the credit agreement signed for the Credit Boost Pro account. Please do not take this account out expecting to have access to any credit facility from us.
You will have a regulated credit agreement on your credit file for the annual subscription and each time you make a subscription payment a positive marker will be reported to the credit reference agencies.
Can I upgrade my account from Credit Pro to Credit Booster Pro?
Yes you can by simply clicking the upgrade option from your Credit Pro account. Please only do this if your credit score and repayment history is not great.
Can I downgrade my Credit Boost Pro account to a Credit Pro account?
Yes of course you can. Please message us from inside your account so that we can ensure that your credit agreement is marked as satisfied with the credit reference agencies so that there is no detrimental marker on your credit file before you cancel your subscription payments. There is no penalty for cancelling at any time and we do not want to hold you into any agreement you do not want to remain on.
Can you provide me with any additional support
If you want or need any additional support then please email, chat with us from your account and we will do our best to help and support you. We understand some of you may be feeling financially stretched and facing some type of vulnerability. We will always try and support you.
Hearing or speech impairment
If you have a hearing or speech impairment, you can contact us by specialist text phone. Simply add the prefix 18001 to our telephone number 0330 838 7002 (on inbound calls only). Please find further details on Relay UK’s website if required: https://www.relayuk.bt.com/how-to-use-relay-uk.html
Relay UK is a service operated by BT for deaf, hard-of-hearing, or speech-impaired people. It works by way of allowing a Relay Assistant (RA) to join the conversation between a customer and a third party. The RA will introduce the call and explain how the Relay UK service works if necessary. The RA will then type the third party’s conversation for the customer to read. The customer can either type a reply or just speak through the phone as normal.
Visual Impairment
The team can provide additional support for visually impaired customers by offering documents such as our terms and conditions, privacy policy and credit agreement in either braille or large print. To request a copy please contact a member of the team via phone, chat or email.
Hearing or speech impairment
If you have a hearing or speech impairment, you can contact us by specialist text phone. Simply add the prefix 18001 to our telephone number 0330 838 7002 (on inbound calls only). Please find further details on Relay UK’s website if required: https://www.relayuk.bt.com/how-to-use-relay-uk.html. Relay UK is a service operated by BT for deaf, hard-of-hearing, or speech-impaired people. It works by way of allowing a Relay Assistant (RA) to join the conversation between a customer and a third party. The RA will introduce the call and explain how the Relay UK service works if necessary. The RA will then type the third party’s conversation for the customer to read. The customer can either type a reply or just speak through the phone as normal.
Visual Impairment
The team can provide additional support for visually impaired customers by offering documents such as our terms and conditions, privacy policy and credit agreement in either braille or large print. To request a copy please contact a member of the team via phone, chat or email.
Why can’t I find or access my credit file
You may not have credit repayment information, because you may have moved address or you may have just entered the UK. We can help you become registered on the electoral register and build up a credit file. Just email us hello@credit-score.com and we will send you a fact sheet free of charge and one of your credit file specialists can give you a call to help you.
Do you guarantee Credit Boost Pro will increase my credit score
Credit Boost Pro is not suitable for you if you are in, or are likely to be entering a debt management plan, or an IVA or bankruptcy. It is only suitable if you are in a position to make repayments to all of your debts on time and you are looking to improve your credit score.
The time it takes to improve your credit score can vary. Improving your score is not guaranteed and depends on a number of factors. A credit file specialist will check that you are suitable for the Credit Boost Pro product during your thirty day free trial.
We report your Credit Boost Pro payments to TransUnion UK Ltd, Equifax and Experian and this should help to build your credit score. A missed payment on any credit account can negatively affect your credit score. Please do not enter the Credit boost Pro service if you are not making your debt repayments on time.
How does our money back guarantee work
If you are not happy with our service after the first month we will provide you with a full no questions asked refund. You can request this by sending us a message from inside your online account or from our app as per the terms and conditions on our web site. Refunds usually take up to 7 working days to be processed and credited back to your bank.
How does our Credit Boost Cash Back work?
Our subscription to our Credit Boost Pro service is £29.99 per month. If you keep your subscription for 12 months we will provide you with a £120 cash back reward as per the terms and conditions on our web site. We will contact you during your final month to request your up to date bank account details so that we can deposit you £120 cash back reward into your nominated and current bank account.
What is a data breach?
A data breach occurs when a hacker gains access to the database of a service or company which contains users’ private information. This information can range from usernames and passwords to social security numbers, addresses and even payment details. These lists are then usually sold online to criminal groups who seek to use this information for profit.
How can a data breach affect me?
The most serious consequences to you can be when very sensitive information like usernames, passwords or social security numbers are leaked. Be sure to never use the same password for multiple services – if one service you use is breached, you should consider all the accounts using the same password as compromised.
What is identity theft?
Identity theft, specifically online identity theft, involves someone posing as you using your private information, usually for profit. Criminals usually obtain this data either by physical theft, accessing public information, or through data breaches. The best way to protect your identity online is to secure your private information by using strong passwords and being careful what you share across different services.
How do I know if my password has been hacked?
When passwords are “hacked”, it usually means the service you use the password in becomes the victim of a data breach, leaving your password and possibly other personal information exposed. In many cases, users can go for years before knowing that their password has been made public.
What makes a strong password?
A strong password is a long one because they are more difficult to guess. Having a minimum of 8 characters is a good start, but even more important is to use a unique password for each service. If a service is the victim of a data breach and your password is leaked, the problem becomes much bigger if you use the same email address and password combination to log into multiple services.
How can I contact Credit-Score?
Please click this link to contact Credit-Score Contact us
What are the website terms for Credit-Score?
How can I make a complaint to Credit-Score?
Complaints Procedure
At Credit-Score we always aim to provide a high standard of service, and ensure our
customers are treated fairly, however, we understand that there may be times when our
customers may be unhappy. In such cases we welcome feedback and the opportunity to put
things right. We aim to ensure that all complaints are handled and resolved as quickly as
possible, and we always aim to provide satisfaction to our customers wherever possible.
Making a complaint
You can make a complaint to us in a number of ways:
1. By telephoning 0330 838 7002
2. By emailing hello@credit-score.co.uk
3. By Sending a message here.
4. By writng to the Complaints Department, Credit-Score.com, Unit 2, 330 High Road Leyton, London, E10 5PW.
Please provide us with as much information as possible so that we can understand and
investigate your complaint efficiently. This information should include:
• Your full name and address.
• A daytime contact telephone number.
• Full details of your complaint including statement of fact **;
• Your user account details.
• Details of what you would like us to do to put things right;
• Photocopies of any relevant paperwork.
** Please be aware from your statement of fact should it appear likely that you purposely
withheld information or gave us information you knew to be false on your account
application we may enter an investigation into whether the Signup was indeed fraudulent
and if so, may pass the details over to the Police Action Fraud hotline for investigation.
How we will deal with your complaint
We will endeavour to resolve your complaint quickly; however, this might not always be
possible. In that event we will send you a written or electronic acknowledgement of your
complaint within 5 business days of receipt.
Within eight weeks of receiving your complaint, we will endeavour to provide you with a Final
Response Letter. If, however we are not in a position to do so we will write to you explaining
why we are still unable to give a final response, giving the reasons for the delay, indicating
when you should expect to receive a final response and providing details of your right to
refer your complaint to the Financial Ombudsman Service, if you are dissatisfied with the
delay.
How we will deal with any redress
Should your complaint be partially or fully upheld, then any redress owed to you will firstly be
offset against any debts owed to us, and thereafter will be paid directly to you. We will never
pay any redress to any third party or claims management company regardless of their terms
and conditions or any contractual agreement you may have made with them.
Financial Ombudsman Service
If after complaining to ourselves and receiving our Final Response Letter you are still not
satisfied, then you can refer the complaint to Financial Ombudsman Service for further
advice and guidance – this must be done within 6 months of your receipt of our Final
Response Letter.
You can contact the Financial Ombudsman Service as follows:
In writing: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
By telephone: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk
Online: https://www.financial-ombudsman.org.uk
How do I cancel my Credit-Score subscription?
If you want to cancel your Credit-score subscription you can do so by logging in and going to your ‘Profile’ then ‘Subscription’ and choose ‘Cancel Subscription’. Or, by one of the other methods listed on the ‘contact us’ page