So I did have a problem with BMCS due to some late payment fees but they have since given a good will gesture and I now only have to pay the actual balance owed. BMCS hasn't improved my credit score... See more
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Very easy to set up an account. Helps to improve your credit score. The account is linked to your bank account , so you are in control of your spending. You will get an actual card for your daily shop... See more
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 rec... See more
Company replied
I would like to recommend build credit to anyone struggling with getting a good credit score Using build credit card is a lovely way of saving as you get yourself in good books with agencies
Company details
Written by the company
A good credit score can change lives, especially for important long-term goals like mortgages, car loans, or getting the best possible repayment plan on bigger purchases. Despite this, few alternatives for building credit exist. We’re here to change that.
BuildMyCreditScore
Written by the company
- The Debit Card that builds your Credit Score
- BuildMyCreditScore is the UK’s first debit card that works with your bank to build your credit score
Contact info
25 Wilton Road, SW1V 1LW, London, United Kingdom
- help@buildmycreditscore.com
- buildmycreditscore.com
3.6
Average
390 reviews
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DONT
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
31 March 2026
Unprompted review
Reply from BuildMyCreditScore
Hello Michael,
We responded to the review you left about the same matter on 17th March. At that time we were unable to locate your account due to the limited credentials we see here and requested you to out to the team on help@buildmycreditscore.com and put 'Manager Escalation TrustPilot Review' so that we could look into this for you.
Subsequently you reached out to us with the subject line we suggested and the team took care of your request.
Best wishes,
BuildMy CreditScore Team
Impossible to cancel!
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!
22 February 2026
Unprompted review
Reply from BuildMyCreditScore
Hello Gemma,
Thank you for taking the time to leave a review and we are sorry to hear that you have chosen to cancel your account.
Please allow us to address the concerns you have raised.
* There is a contact phone number; it can be found on our help centre.
* You raised tickets from a different email address that is not registered to your account with us.
* When we receive an account closure request for BuildMyCreditScore, we have an obligation to advise the cardholder about the implications and we also need to complete verification before we can close the account.
* Thereafter, instead of responding on the ticket where we were corresponding with you; you proceeded to open more tickets with us and we had to keep repeating ourselves (which you perceived to be stock replies).
* Your account has now been closed (after you submitted the verification details we have requested.
Best wishes,
BuildMyCreditScore Team
Easy and nice
10 July 2025
AVOID!!!
I signed up hoping to increase my credit score, the app shows regular increases, which don't reflect on any other credit score apps charging £9.95, from august 2025, then I noticed they were taking £13.95 in Oct/Nov without informing me of any increase to the subscription cost. I rarely used the card as it was so I cancelled the subscription. I informed them via email to which they didn't respond. They took a further 9.95 from my bank so I cancelled the direct debit, explaining to their customer services team who take up to a week to reply. They have now deducted the 60 points I had gained from my credit score and marked a default on my credit reports. Its a useless scam
1 August 2025
Unprompted review
Reply from BuildMyCreditScore
Hello Holly,
We are sorry to hear that you believe that the subscription cost has gone up; that is not the case. If you are on a monthly subscription plan then the monthly price is £9.95. None of our pricing plans are for £13.95.
In order for us to look into what you are referring to, we'd need to be able to locate your account. Unfortunately, we are unable to locate your account based on the limited credentials we see here. We will try and address your comments as best as we can without being able to look into the specifics of your account.
Your comment about our response times (i.e. taking up to a week to reply) doesn't align with how we operate; our first response times and resolution times are very strong.
Furthermore, your comment about us deducting 60 points from your credit score is something that we would not agree with. We report to the 3 main UK credit references agencies: TransUnion, Experian, and Equifax. Once you join BuildMyCreditScore, we'll promptly notify the credit reference agencies about your new product. We report your spending and account activity to the Credit Reference Agencies and they use that information, amongst information received from other financial institutions, to calculate your score respectively. We do not control your credit score, you do.
Best wishes,
BuildMyCreditScore Team
One of the Most Chaotic and Incompetent Services I’ve Ever Dealt With
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.
10 December 2025
Unprompted review
Reply from BuildMyCreditScore
Hello Lukasz,
Thank you for taking the time to leave a review. We are sincerely sorry for the experience you have had. We assure you that we take all feedback seriously and will review what transpired here.
Meanwhile, one of our team members has already reached out to you and will get to the bottom of this; we will get this sorted.
Again, we are truly sorry and thank you for giving us the opportunity to look into this.
Best wishes,
BuildMyCreditScore Team
Not worth it
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,
9 December 2025
Unprompted review
Reply from BuildMyCreditScore
Hello,
We are sorry to hear that your card was stolen. There are no credentials here that enable us to identify/locate your account in our system in order for us to provide a meaningful response.
Meanwhile, if you haven't already done so, please ensure that you have frozen your card in the mobile app.
Please reach out to the team on help@buildmycreditscore.com so that we can assist you.
Best wishes,
BuildMyCreditScore Team
i would not recommend this company as…
i would not recommend this company as they do not protect your data and this has caused me to get hacked 2 times. i am not impressed, and does not give me confidence.
18 November 2025
Unprompted review
Reply from BuildMyCreditScore
Hello Anne,
First and foremost, we are very sorry to hear that your details were hacked. We truly sympathise with your situation and can appreciate how distressing and stressful it must be. However, we can say with confidence that there was no data breach on our side that would have caused this, and we categorically deny that this has anything to do with any failing/negligence and/or any kind of breach on our side.
In the ticket you raised with us this morning you mentioned that ‘your bank account keeps getting hacked’. Please be assured that 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. Hence, we fail to understand how/why you would blame us when it is your bank details that got hacked.
We suggest that you should speak to your bank with regards to how/why your bank account keeps getting hacked.
We take data privacy very seriously. You can read our privacy policy over here https://buildmycreditscore.com/legal/privacy-policy?
To keep your details secure, we are supported by market-leading security tools used across the payments and banking industry. We are also authorised by the Financial Conduct Authority (FCA).
Again, we are truly sorry that you were deceived by fraudsters; but deem it to be unfair and defamatory to blame BuildMyCreditScore for this.
Best wishes,
BuildMyCreditScore Team
DO NOT SIGN UP FOR SUBSCRIPTION
DO NOT SIGN UP FOR SUBSCRIPTION - THIS IS A SCAM
11 November 2025
Unprompted review
Reply from BuildMyCreditScore
Hello,
We are unable to locate your account due to the limited credentials we see here.
If you have any issue that you need assistance with then please reach out to the team at help@buildmycreditscore.com
Making unfounded and defamatory statements like calling us a scam is unnecessary.
Best wishes,
BuildMyCreditScore Team
Very good 😁😔
10 August 2025
Avoid
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!
23 October 2025
Unprompted review
Reply from BuildMyCreditScore
Hello Claudia,
Thank you for taking the time to leave a review.
Here's what transpired:
You created an account with us and that's what prompted the card to be dispatched.
Subsequently, you expressed that you wished to cancel the account. Please bear in mind that at this point the card was already dispatched.
We acknowledged your cancellation request and as part of our verification process, we asked you to confirm your date of birth before we can proceed with the cancellation. Please refer to the email we sent on Friday 24th Oct at 10.17am. We are awaiting a response to that request; as soon as we receive that, we will be happy to close your account. Kindly respond to that email.
Best wishes,
BuildMyCreditScore Team
Matter Resolved with Professional…
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
23 October 2025
Unprompted review
Sorry for the low score as after 3…
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.
1 October 2025
Unprompted review
Reply from BuildMyCreditScore
Hello Andrew,
Thank you so much for taking the time to leave a review and we are very sorry to hear of your experience.
We were able to locate the 3 interactions you had with our chat bot. The chat bot is there to resolve simple issues and will escalate other/complex issues to a human agent once it is able to gather all relevant information from the user/customer before passing it to an human agent. In all 3 instances, it was not provided enough information from your interaction to escalate to a human agent.
One of our team members will reach out to you shortly and we will have this resolved.
Best wishes,
BuildMy Credit Score Team
Thank you everything good
10 July 2025
A great way for people like myself to…
A great way for people like myself to build a tarnished credit score without the bias. Five stars. Great credit builder.
10 July 2025
My credit score went down but now is up…
My credit score went down but now is up again thank you for your help.
10 July 2025
good and fast results
10 July 2025
Waste of time and money
Waste of time and money. Absolutely no support whatsoever and incredibly high fees.
10 July 2025
Unprompted review
Reply from BuildMyCreditScore
Hello,
Thank you for taking the time to leave a review.
We are unable to look into this further because we are unable to locate your account with the limited credentials that we see here.
The team will be happy to assist you with whatever issue you are encountering; please reach out via the in-app chat or by emailing at help@buildmycreditscore.com
Best wishes,
BuildMyCreditScore Team
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