CredAbility Reviews 973

TrustScore 4 out of 5

4.2

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Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. Customers frequently praise the app for its ease of use and ability to provide valuable insights into their credit scores and financial standing. Many people appreciate how the service helps them understand and improve their credit, with several noting its effectiveness in securing credit cards and loans. The application process is often described as quick and straightforward, contributing to a positive user experience. However, some customers were dissatisfied with the customer service, reporting difficulties in getting help or correcting errors. A few other people also felt the app was complicated or inaccurate, particularly regarding their credit card information and approval rates for financial products.

What people talk about most

User experience

Clients share positive opinions on user experience, highlighting the app's ease of use and clear,... See more

Service

People report positive experiences with service. Many customers praise the great and dependable service,... See more

Application

Users describe positive interactions with the app, highlighting its ease of use, weekly updates, and valuable... See more

Customer service

Customers had ambiguous experiences with customer service. Many reviewers praised the helpful, polite, and... See more

Payment

Consumers find payment to be ambiguous. While some reviewers appreciate being able to see credit card... See more

Based on these reviews

Rated 4 out of 5 stars

CredAbility is the first and only app of its kind that I have used, so comparisons are not possible. That said, the app has provided me with a great deal of comfort especially given the information av... See more

Company replied

Rated 5 out of 5 stars

I am usually apprehensive around emails and finance even when I have searched for advice online,however CredAbility and their well designed app has made it so simple to use without one minute of h... See more

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Rated 5 out of 5 stars

My total balances are zero zero zero it takes ages to update when you have a great name for bringing all debts to zero credibility gets in touch with me to apply am turned down for credit cards even t... See more

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Rated 5 out of 5 stars

Credit worthiness made simple. Credibility is one of best credit reference agencies available with clear and up to date information on your credit file both on their website or application. Signing... See more

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Rated 5 out of 5 stars

Not everyone understands how money works. So throw in credit cards to the mix - and balancing your account every month end - can be tricky. So I'm rather pleased at how CredAbility simplifies mo... See more

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Rated 5 out of 5 stars

This has really been helpful for building my credit score. Only thing is it does go up and down which us slightly confusing at times. Especially if I pay my bills on time and money is paid back well... See more

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Rated 5 out of 5 stars

Quite simply it's a great way to keep an eye on my finances.There is an argument that you and other sites aren't giving a true picture however if that was the case I wouldn't - and likely many others... See more

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Rated 5 out of 5 stars

I've enjoyed watching my credit score grow,it's encouraged me to watch my money.Credability shows me,in detail what I'm doing right and where I was going wrong.

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Rated 5 out of 5 stars

I've been trying for a number of years to obtain a Tesco credit card to earn more points and to convert my points to virgin air miles without success but today Virgin Atlantics credit card gave .e th... See more

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Rated 5 out of 5 stars

It's great reassurance to get a card from you. I haven't used it yet as I intended it to use over Internet when I don't wish to use normal debit card. Credit cards are a lot safer. Unlike many I don't... See more

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Rated 5 out of 5 stars

I find using Credibility an absolute godsend. Keep me abreast of how to improve and kitchen better offers when available. I literally checked this at least once a week to see where my statuses. Can’t... See more

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Rated 5 out of 5 stars

When I ask for help about something such as my credit record, for a new credit card or for a personal Loan, I usually get answer quickly, either it’s satisfaisant for me or not. If the answer was i... See more

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Rated 1 out of 5 stars

CredAbility I WOULD GIVE ZERO STARS OUT OF 5 I WOULD LIKE TO KNOW HOW HAS MY CREDIT SCORE DROPPED 57 POINTS FOR WHAT REASON ? I HAVE NEVER MISSED ANY PAYMENTS IN 10yrs NO DEBT ON MY CREDIT CARDS STILL... See more

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Rated 5 out of 5 stars

Credability is a great app to keep on top of your credit score and what can impact for both positive and negative results.It also details what is pre approved in terms of loans and best credit card de... See more

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Rated 5 out of 5 stars

Get app, I'm enjoying knowing everything that is needed to know, the app gives me that simple to use, let's you know every financial situation that your in, great app, take my hat off to you sir...

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Rated 1 out of 5 stars

When i signed up to CredAbility, I thought it was going to be like the other credit reference agency I use, yeah right... Constant emails telling me to check out these loans or credit cards or ma... See more

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Rated 5 out of 5 stars

Easy to use and always helpful to plan and use my cards and helps to assist when apply for any new credit you need. Has a customer service which is straight forward and easy to access.

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Rated 1 out of 5 stars

To be honest I appreciate that my credit file is not the best but this service is a con You get multiple messages offering…. You’ve been accepted to apply it’s very misleading and even noted man... See more

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Rated 3 out of 5 stars

The app is not easy to navigate!. Unable to correct anything that is wrong as there is no one to get help from not even a bot. My ex husband is on my account and obviously he doesn't live with me d... See more

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Rated 5 out of 5 stars

I've dealt with this company for years now, great service, never had an issue, credit where it deserves.

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Rated 5 out of 5 stars

A company that was willing to help me get my life back on track. Someone who was able to find a company that was will to give me the chance to prove i can keep making payments. Thanks to you Zable c... See more

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Rated 5 out of 5 stars

CredAbilty has really helped me I have managed to get two credit cards in the space of a month so if your looking to improve your credit score this is all you need to help you achieve it

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Rated 2 out of 5 stars

find it incredibly frustrating to keep receiving emails promoting products I’m supposedly eligible for, only to be rejected after applying. I understand that you're brokers and not lenders, bu... See more

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Rated 5 out of 5 stars

Very good company all charges are clearly laid out in advance. Helps credit score building. No nasty surprises. Quick and easy application.

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Rated 5 out of 5 stars

As the Name implies omg really, you guys are credible, am so so happy using this app and got a credit card over two years of living in the UK, thanks I do appreciate

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Rated 3 out of 5 stars

The information is quite useful, but I am fed up of receiving emails every single day. It is no longer helpful as I just delete them without reading them. Also I am trying to manage my debt position... See more

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Rated 1 out of 5 stars

Would be submitting zero stars if possible. Waste of time. Continuous daily emails with indications and promises of new offers none of which are true or correct. Will be cancelling the app as it’s a c... See more

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Rated 5 out of 5 stars

Wow wow I am really happy with the service helping me with the how to build up my credit score search for the right lenders with out affects my credit score

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Rated 5 out of 5 stars

Have enjoyed watching my credit score climb. I've slowly applied for credit cards through the app and been able to built my credit score. I can view all my outstanding accounts in one place.

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Rated 5 out of 5 stars

Easy to follow and to see what cards and loans you can have , my only issues is my credit rating on here is not as good as my Experian credit file

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Rated 5 out of 5 stars

I can keep a check on my credit report very easily. It is a very simple user friendly site. Shows how you are using any credit you have and highlights any potential issues.

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Rated 2 out of 5 stars

I am very upset with the credit reference agencies, my credit rating was excellent and they took off my credit card accounts which are extremely good and plunged my credit rating to very poor. I have... See more

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Rated 5 out of 5 stars

When I signed up to this, I thought it was like any other credit score platform. But it helped with some things to see where I am and how to improve my scores for a clearer future

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Rated 5 out of 5 stars

CredAbility is very good company to help make a better creadit score also help in receved creadit card or loan.Thank you.

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Rated 5 out of 5 stars

Credibility is a company that i can trust. Every month you can keep check on how well your doing and what you need to do to help to improve your credit score. There is so much more you can do on the o... See more

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Rated 5 out of 5 stars

The company has helped me to rebuild my credit score and answered any questions always been honest with me and always let me know about any new offers

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Rated 5 out of 5 stars

Easy to use app. Always get too know if change to your credit score and any available offer and extra credit can apply for

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Rated 4 out of 5 stars

An ad on Facebook claimed I could check my eligibility for a credit card without it affecting my credit rating. The check revealed that my application would be approved so I applied and got the card.... See more

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Rated 5 out of 5 stars

Very good app gives you insight to your credit atatus and offers you may be egible for so all good.

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Rated 4 out of 5 stars

CreditAbility is ok but I get emails saying I’m pre approved for a card but when I go th have a check all I get is sorry your not eligible

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Rated 5 out of 5 stars

Very easy to navigate app, seamless application when applying for products and quick! I am very happy with everything thank you

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Rated 1 out of 5 stars

I just checked my Credability account after checking the other credit monitoring services I use. My band with them is still in Deep Freeze, under 400/1000. I check hy this is and it proudly states... See more

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Rated 5 out of 5 stars

A Definite Thumbs Up And More CredAbilty Looks After Your Every Day Finances And More And Is There For Your Own Interest.

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Rated 3 out of 5 stars

Signed up to try, kept getting spammed by email and SMS multiple times to 'finish' the sign up and answer their 5 sets of questions when I never consented to this. Not the way to run things.

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Rated 5 out of 5 stars

Invaluable app got me back on track with my credit rating and now im flying would recommend all to use this.

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Rated 5 out of 5 stars

This is fantastic keeps you updated and is accurate if you don't have this app then get it you won't be sorry ☺️☺️

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Rated 3 out of 5 stars

I find it to complicated. Unable to find what I'm looking for. I font understand why you put loans on or credit cards knowing those with bad credit score are declined

Company replied

Rated 1 out of 5 stars

I'm using this app since a year now, till date I didn't get single approval for any card, clear score is 100℅ better than this app, I'm having good score almost 600+and on time payments still no use,... See more

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Rated 1 out of 5 stars

The information that is held in my file is not correct and up to date!! Tried calling but can’t contact anyone, therefore I am not able to give a positive review!!

Company replied

Rated 1 out of 5 stars

Waste of time only out to get commission from Banks to provide you high interest loans Does not help the consumer

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Rated 4 out of 5 stars

It was was easy to sign up and to get a loan search done. The only problem is they keep saying I have an offer which is always the same but at 79% APR I am not interested.

Company replied


Company details

  1. Credit Bureau

Written by the company

At CredAbility, we think your money should work for, well, you! Get your credit score and credit report for FREE , for life, and see what lenders see about you. Check your eligibility and compare loans and credit cards to find a better deal on borrowing. Achieve your goals: from improving your score to buying new digs, there’s an Action Plan for that. Welcome to the world beyond your credit score.


Contact info

4.2

Great

TrustScore 4 out of 5

973 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 100% of negative reviews

Typically replies within 1 week

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Rated 5 out of 5 stars

Speedy decision

Great company quick decision no way ting thanks 👍x

18 March 2026
Unprompted review
CredAbility logo

Reply from CredAbility

Thank you for taking the time to share your review. We really appreciate the positive feedback.

The CredAbility Team

Rated 5 out of 5 stars

A1 service

A1 service! Well recommended

18 March 2026
Unprompted review
CredAbility logo

Reply from CredAbility

Thank you for your kind words.

The CredAbility Team

Rated 5 out of 5 stars

Great for helping people get a better…

Great for helping people get a better credit score my score in alot better shape 3 months in

16 January 2026
Unprompted review
CredAbility logo

Reply from CredAbility

Thanks for the 5-star rating. We hope you continue to enjoy the features of our app. If you have any feedback or suggestions, please write to us at hello@credability.co.uk. We would love to hear from you!

The CredAbility Team

Rated 5 out of 5 stars

They made it easy to apply for with the…

They made it easy to apply for with the help they gave me when I needed it all was keep me inform me when my payments are due so I can make sure my payments are paid on time and would recommend to my family and friends thank you

14 February 2026
Unprompted review
CredAbility logo

Reply from CredAbility

Thanks for the 5-star rating. We hope you continue to enjoy the features of our app. If you have any feedback or suggestions, please write to us at hello@credability.co.uk. We would love to hear from you!

The CredAbility Team

Rated 1 out of 5 stars

Buyer beware

Waste of time only out to get commission from Banks to provide you high interest loans Does not help the consumer

4 March 2026
Unprompted review
CredAbility logo

Reply from CredAbility

Thank you for taking the time to share your review. We’re sorry to hear about your recent experience.

In order to review your case we would need additional information from you. Please reach out to our customer service at: hello@credability.co.uk and we will assist you as best as we can.

Sincerely,

The CredAbility Team

Rated 5 out of 5 stars

The company with precision of trust. really know to much about…

I don’t really know to much about Credibility but there prompt accurate guidance on how my current status of credit scoring I have found to be accurate and beneficial for reasons of accountability

18 March 2026
Unprompted review
CredAbility logo

Reply from CredAbility

Thank you for taking the time to share your review. We really appreciate the positive feedback.

The CredAbility Team

Rated 5 out of 5 stars

I've enjoyed watching my credit score…

I've enjoyed watching my credit score grow,it's encouraged me to watch my money.Credability shows me,in detail what I'm doing right and where I was going wrong.

11 March 2026
Unprompted review
CredAbility logo

Reply from CredAbility

Thank you for taking the time to share your review. We really appreciate the positive feedback.

The CredAbility Team

Rated 5 out of 5 stars

Everything was easy to understand

Everything was easy to understand
You can check your statements regularly
It helps your credit score and you can see each week if its improved
Good service altogether

11 March 2026
Unprompted review
CredAbility logo

Reply from CredAbility

Thanks for the 5-star rating. We hope you continue to enjoy the features of our app. If you have any feedback or suggestions, please write to us at hello@credability.co.uk. We would love to hear from you!

The CredAbility Team

Rated 5 out of 5 stars

Excellent credit app

Very good app gives you insight to your credit atatus and offers you may be egible for so all good.

4 March 2026
Unprompted review
CredAbility logo

Reply from CredAbility

Thank you for the positive review, we really appreciate it!

The CredAbility Team

Rated 5 out of 5 stars

So easy to use

So easy to use. Helps to keep an eye on your score and gives you tips how to obtain further points to increase your credit rating

6 March 2026
Unprompted review
CredAbility logo

Reply from CredAbility

Thanks for the 5-star rating. We hope you continue to enjoy the features of our app. If you have any feedback or suggestions, please write to us at hello@credability.co.uk. We would love to hear from you!

The CredAbility Team

Rated 1 out of 5 stars

Charging almost £25 for a service

Charging almost £25 for a service

4 February 2026
Unprompted review
CredAbility logo

Reply from CredAbility

Thank you for your review.

We’re sorry to hear you’ve had money taken from your bank account unexpectedly.

As CredAbility is a free service, this money will not have been taken by ourselves. We don’t charge any subscriptions or fees, nor do we hold payment details on file, so it’s not possible for us to debit any money from you.

We’d suggest finding the debiting company by checking your bank statement for the exact wording of their name and then getting in contact with them.

I hope this helps and we are sorry for any inconvenience.

Kind regards,

The CredAbility Team

Rated 4 out of 5 stars

CreditAbility is ok but I get emails…

CreditAbility is ok but I get emails saying I’m pre approved for a card but when I go th have a check all I get is sorry your not eligible

4 March 2026
Unprompted review
CredAbility logo

Reply from CredAbility

Thank you for your review, although we're sorry to hear that you are slightly unhappy with our messaging.

Please note, as we are not the lender, we do not make the final decision on if our customers will be approved or not, this decision is made by the lender.

We will pass on your comments to the relevant team. Please note that you can update your notification and marketing preferences from within your account. If you need any help, then please reach out to us at hello@credability.co.uk.

Thank you,

The CredAbility Team

Rated 5 out of 5 stars

Amazing work

Amazing work

4 March 2026
Unprompted review
CredAbility logo

Reply from CredAbility

Thank you for your kind words.

The CredAbility Team

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