Worse app ever
Response from developer
We're sorry to hear you're disappointed with your experience. We appreciate this has been frustrating. Our wonderful Customer Support team has already responded to your query and tried to assist with your concerns. In some circumstances, accounts may be closed in line with our Terms & Conditions and regulatory obligations. As BuildMyCreditScore is a credit-building product that reports to the UK credit reference agencies, we have a responsibility to ensure the accounts we continue reporting on are being actively maintained. Closing inactive accounts helps keep customers' credit files accurate and up to date, rather than continuing to report on accounts that are no longer being used. We always ensure we act in accordance with our regulatory requirements and keep customers informed throughout the process. These decisions are never taken lightly and are made with both our legal obligations and our customers' best interests in mind. If you have any further questions, please reply to our support team and we'll be happy to help. Kind regards, BuildMyCreditScore Team
Made my credit score worse in the first month and was totally missold to me
Response from developer
Hello, Thank you for taking the time to leave a review. We have located your account and the ticket you raised with our team. Our customer support team has already addressed all the points you have raised, in great detail; however, we will summarise them here for ease of reference: * Our website explains that customers who use the product as recommended “typically increase their score by 52 points in their first 3 months,” but this is not presented as a guarantee. * And it is important to note that credit scores can fluctuate for a variety of reasons, particularly when a new financial product is added to a credit file. Credit reference agencies consider multiple factors when calculating scores, including the average age of accounts, recent applications, available credit, and overall account activity. * The website further explains that customers should view the product as part of a 12-month journey to establish a robust credit history over time. We trust this addresses the concerns you have raised. Best wishes, BuildMy CreditScore Team
Good experience
Sort of cheating
Response from developer
Hello, To start with, please allow us to explain how our service works. BuildMyCreditScore is a revolutionary debit card that connects to your existing bank account; so it works a works bit like your regular bank debit card; it helps you build your credit score through everyday spending. Once you’ve spent, we process the payment a few days later using direct debit. All this is facilitated via Open Banking technology. Open Banking is a regulation that allows you to securely share information about your UK bank account, such as your balance and transaction history, with authorised companies like BuildMyCreditScore. Your bank will only share this information if you permit them to do so. Your bank will never share your online banking credentials and BuildMyCreditScore will never be able to access them. When linking your bank account to BuildMyCreditScore we direct you to your bank’s secure website so we never see any of your online banking credentials. Being FCA (Financial Conduct Authority) authorised means that BuildMyCreditScore offers the same level of security that your bank does when it comes to protecting your information. We hope this puts your mid at ease. We assure you that we don't monitor your bank account. Best wishes, BuildMyCreditScore Team
Dubious App
Response from developer
Hi there — thanks for your feedback. Our product is a debit card that helps you build your credit history through everyday spending, not a credit card. Closing any credit-reporting product can affect your credit score with the credit reference agencies — it’s not a penalty from us. Please contact support so we can assist. Best Regards, BuildMyCreditScore Team
