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
Terrible
Response from developer
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
DON’T
Response from developer
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
There charlatans
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
Response from developer
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
Worst app i ever used
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.
Response from developer
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
Do not recommend
Response from developer
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