# BuildMyCreditScore — Build your credit score > Debit card that builds credit score through everyday spending and timely payments. (iPhone/iPad app by Currensea Limited.) - Source: https://appshunter.io/ios/app/buildmycreditscore/id6450715226 (this page in markdown: same URL + `.md`) - Developer: [Currensea Limited](https://appshunter.io/developer/1499079761) - Category: Finance - Price: Free - Rating: 4.52/5 from 476 App Store ratings · 20 written reviews indexed - Age rating: 17+ - Requires: iOS 16.0 · 72 MB - Languages: American English - Released: 2023-07-15 - Data updated: 2026-08-27 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/buildmycreditscore/id6450715226/reviews.md ## What is BuildMyCreditScore? BuildMyCreditScore - The debit card that works with your bank to build your credit score through everyday spending¹. The majority of our customers that used the product as recommended, see an increase in their score of between 11 and 55 points within the first 3 months². LEARN MORE ▪ Works with all the major UK high-street banks ▪ Reports to the 3 main UK credit reference agencies: Experian, Transunion and Equifax ▪ Soft credit check is not visible to lenders ▪ No interest rates or hidden fees ▪ Designed to build your credit score ▪ Sign-up in under 5 minutes HOW IT WORKS ▪ Sign up and connect your BuildMyCreditScore debit card to your bank account. ▪ Use your new debit card for small daily purchases, and we'll process the payment a few days later using direct debit. ▪ At the end of every month, we report your purchases and payments to the 3 main UK credit reference agencies to build your credit¹. WHAT OUR CUSTOMERS THINK: “It’s a great card so easy to use, helps build your credit every time you use it, just use it in any shops.” “Highly recommended, especially in this day and age when everything is based on credit scores.” “I am delighted as this is exactly what I signed up for with this card.” FAQS What are the best ways to use BuildMyCreditScore? ▪ The debit card is specifically designed for small everyday purchases such as coffee, train fares and other incidentals, as well as regular payments like Netflix and Spotify. What sets the card apart is its optimisation to transform those seemingly insignificant purchases into significant boosts to your credit score². How long will it take to build credit? ▪ You should think of this as a 12-month journey to establish a robust credit history. For the price of just a few cups of coffee per month, you’ll have the opportunity to save thousands of pounds on future borrowing³. ¹ BuildMyCreditScore reports on time and late payments, which may negatively impact your credit score. Credit scores are independently determined by credit reference agencies based on a number of factors, including your other financial transactions. BuildMyCreditScore reports to Transunion, Experian and Equifax. The BuildMyCreditScore Debit Card and related services will not remove negative credit history from your credit report. ² Data is based on a study of active customers with good credit habits. Individual results may vary. For details please see the full study at buildmyscreditscore.com/study. ³ Estimates based on a study by MoneyComms.co.uk 22.09.2022 ## Key features - Builds credit score via spending - Reports to 3 major UK credit agencies - Connects to bank accounts - Soft credit check - No interest rates or hidden fees - Sign-up in under 5 minutes ## Recent user reviews (10 of 20) All indexed reviews: https://appshunter.io/ios/app/buildmycreditscore/id6450715226/reviews.md ### 2/5 — Worse app ever *2026-07-08* They close accounts can't use email, and block my account this full don't even close no tell can't email change no this bad service don't care about there customer **Developer response:** 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 ### 1/5 — Made my credit score worse in the first month and was totally missold to me *2026-05-12* I had managed to increase my credit score and then hoped to do better again by trying this but wasn't keen on signing up for a whole year and it said that customers saw increases of about 50 points in 3 months so I decided to try it on a month by month basis. Less than 2 weeks in I lost 60 points off my credit score for adding a new product and I showed customer services the evidence and said this was unfair given the product it was and that I should be able to use the service free until I had retained my original score at which point they then told me it was a '12 month journey' to see results on my credit score and I pointed out that they shouldn't put 3 month estimates. They have done nothing to address the massive hit my credit score took due to their product and deny misselling. I am taking this to the ombudsman. I am disabled, a neuro patient and classed as vulnerable and they are aware of this but decided that their behaviour was acceptable. I would avoid at all costs. **Developer response:** 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 ### 5/5 — Good experience *2026-04-11* I’ve had a good experience with BuildMyCredit so far. The debit card integration is convenient, and the app is easy to navigate. It’s a practical option if you want to build credit without taking out loans or credit cards. ### 1/5 — Sort of cheating *2026-01-13* I followed step by step options provided and they asked permission for monitoring my bank account and then they asked for payment and I didn’t wanted to pay as it felt unnecessary. There comes the trap - cant go back or fro without payment and I can’t get rid of them monitoring/handling my account **Developer response:** 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 ### 1/5 — Dubious App *2025-12-23* I wish I read the reviews before I paid for my subscription. They never offered any credit, they are just a third party service that connect to your bank account and manage your transactions. NOTE: if you cancel their subscription. They will drop your credit score. I got a -36 deduction for asking for cancellation and refund and never got any increase having no outstanding debt or missed payments **Developer response:** 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 ### 1/5 — Terrible *2025-08-07* Don't use this I've hard it for 4 months now I only used the card once spent £16 it came out of my bank account 3 days later and they reported to Experian that I missed a payment and made my credit score go down which will stay on there for 6 months now absolutely useless just made it worse do not use just rob your money to give nothing back **Developer response:** Hello, Thank you for taking the time to leave a review. With the limited credentials we see on this review, we’re unable to locate your account to investigate this matter further. We’d like to understand what happened and resolve this for you as soon as possible. Please contact our team via the in-app chat or email us at help@currensea.com so we can look into this in detail. Best wishes, Currensea Team ### 1/5 — DON’T *2025-04-06* I just paid for a yearly membership and after that this app doesn’t work!! Emailed them to fix the issue and they keep saying deleted it and download it again! I even tried to change the password but it keeps saying session is expired!! I really regret every penny I paid!! **Developer response:** Hello, Thank you for taking the time to leave a review and we are truly sorry to hear that you are experiencing issues? Would you please mind trying one last time? Please install the latest version of our app and this should resolve the issue. If you still encounter any issue then please email us at help@buildmycreditscore.com and please put the following in the subject line: Manager Escalation - iOS review dated 6th April. Best Wishes, BuildMyCreditScore Team ### 1/5 — There charlatans *2025-03-01* A list on the app it will help to rebuild your credit within 90 days had the app now for six months and I sent my credit so will go down They charge you a fee of about £90 before you could even use the app hoping that you will get sucked into exceptionally high credit agreement **Developer response:** Hello, We're sorry that you didn't get the benefits of the product that you were hoping for. We are unable to locate your account to look into account specific detail. However, we'd be remiss if we didn't remind you that BuildMyCreditScore should be seen as part of a journey to help you improve your Credit Score. It's not a quick fix and there are factors outside of BuildMyCreditScore that can cause your score to go up or down on a month to month basis. This includes any other bills, credit cards, debts, or loans etc you may have through other services. Our evidence shows that the majority of our customers that used the product, as recommended, see an increase in their score of between 11 and 55 points within the first 3 months. As mentioned, individual results may vary and your credit score is made up of a number of factors that could impact your results. Best wishes, BuildMyCreditScore Team ### 1/5 — Worst app i ever used *2025-01-16* I had a very disappointing experience with BuildMyCreditScore. Despite requesting to close my account before the subscription renewal date, the company insisted that I pay the full annual fee before they would process my cancellation. This policy feels unfair and exploitative, especially when I no longer have any use for the app. To make matters worse, the app did not deliver on its primary promise: improving my credit score. Despite following their guidance, I saw no meaningful improvement. I feel misled and regret subscribing in the first place. I cannot recommend this service to anyone looking to improve their credit score. **Developer response:** Hi there, thanks for leaving this review. We've had a look into the experience you've described in your review and can see that this doesn't match what actually happened when you contacted our Customer Support team. We can see that you contacted the team, your renewal date was in the past. This meant that when the Customer Support team responded to you, they informed you that the collection process was already in progress and that you would need to wait for the payment to finalise before your account could be cancelled and the fee refunded. We can see that you ended up cancelling your Direct Debit before the payment was collected from your bank account so no refund was required and your account was fully closed shortly after. We're sorry that you didn't get the benefits of the product that you were hoping for. BuildMyCreditScore should be seen as part of a journey to help you improve your Credit Score. It's not a quick fix and there are factors outside of BuildMyCreditScore that can cause your score to go up or down on a month to month basis. This includes any other bills, credit cards, debts, or loans etc you may have through other services. Our evidence shows that the majority of our customers that used the product, as recommended, see an increase in their score of between 11 and 55 points within the first 3 months. As mentioned, individual results may vary and your credit score is made up of a number of factors that could impact your results. Best wishes, BuildMyCreditScore Team ### 1/5 — Do not recommend *2024-12-04* Seems like a good idea, but be aware if you cancel your direct debit or wish to close your account they will set up a new direct debit automatically from 1 of 2 bank accounts on your account with them, DO NOT BOTHER USING, have raised this issue several times and have gotten no where, and I have provided all the necessary information, if this continues after my account is closed I will be taking legal action since I no longer have an account why try and charge me for something I don’t have 😡😡😡😡 **Developer response:** Hi there, thanks for leaving this review. If the Direct Debit is cancelled it will be automatically reinstated to prevent the risk of missed payments. As per our Terms and Conditions and FAQs, cancelling your Direct Debit is not the same thing as closing your account. You need to contact our customer support team and respond to the security questions asked, after which your account will be closed. However, we would need to wait for any pending payments to complete first of all. Best wishes, BuildMyCreditScore Team ## Frequently asked questions about BuildMyCreditScore ### How does BuildMyCreditScore work? BuildMyCreditScore works by connecting to your bank account and issuing a debit card. You use this card for daily purchases, and payments are processed via direct debit. Your spending and payment history are then reported to Experian, Transunion, and Equifax to help build your credit score. ### What are the best ways to use BuildMyCreditScore? The debit card is designed for small everyday purchases like coffee or train fares, as well as regular payments for services like Netflix and Spotify. These seemingly small transactions are optimized to significantly boost your credit score. ### How long does it take to build credit with BuildMyCreditScore? Building a robust credit history is considered a 12-month journey. Consistent use of the card for purchases and timely payments is key to establishing a strong credit profile over time. ### Does BuildMyCreditScore have any fees? BuildMyCreditScore has no interest rates or hidden fees. The primary cost is associated with the card's use for daily purchases, which is positioned as being comparable to the price of a few cups of coffee per month. ### What credit reference agencies does BuildMyCreditScore report to? BuildMyCreditScore reports to the three main UK credit reference agencies: Experian, Transunion, and Equifax. This comprehensive reporting helps to establish your credit history across the major bureaus. ### Is BuildMyCreditScore safe to use? Yes, the app uses a soft credit check which is not visible to lenders. It is designed to work with major UK high-street banks and reports your payment behavior to credit agencies. ### What is the age rating for BuildMyCreditScore? BuildMyCreditScore has an age rating of 17+. This indicates it is intended for users who are legally adults and can enter into financial agreements. ### How often is BuildMyCreditScore updated? The latest version of BuildMyCreditScore is 8.1.1, and it was last updated on July 23, 2026. This suggests a consistent update schedule to maintain functionality and security. ## Version history (last 5 releases) ### 8.1.1 — 2026-07-23 Our latest release includes: - General bug fixes and improvements ### 8.1 — 2026-04-15 Our latest release includes: - General bug fixes and improvements ### 8.0 — 2026-04-13 Our latest release includes: - General bug fixes and improvements ### 7.0 — 2025-12-08 Our latest release includes: - General bug fixes and improvements ### 6.0 — 2025-10-20 Our latest release includes: - General bug fixes and improvements ## More apps by Currensea Limited - [Currensea - Travel Debit Card](https://appshunter.io/ios/app/currensea-travel-debit-card/id1499079762) - [Hilton Honors Debit Card](https://appshunter.io/ios/app/hilton-honors-debit-card/id6479882982) - [Marriott Bonvoy Debit Card](https://appshunter.io/ios/app/marriott-bonvoy-debit-card/id6748405825) - [United Airlines Debit Card](https://appshunter.io/ios/app/united-airlines-debit-card/id6755109497) All apps by Currensea Limited: https://appshunter.io/developer/1499079761 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*