Credit Engine Reviews 1,982

TrustScore 4.5 out of 5

4.3

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Consumers consistently praise the user experience and the high level of service provided. People highlight the staff's helpfulness, patience, and knowledge, noting that representatives explain credit situations clearly and understandably. Customers appreciate the excellent customer service, with many specifically mentioning individual team members who provided outstanding support. Reviewers also value the clear communication of loan options and the simplicity of the processes involved. However, some consumers have reported unexpected payments being deducted from their accounts, expressing surprise and frustration. These reviewers claim they did not knowingly sign up for a subscription or authorize these charges. Some customers have had difficulty stopping direct debits and getting in touch with customer service to resolve these payment issues.

Based on these reviews

Rated 4 out of 5 stars

Within a blizzard of emails and texts, unknown to me CE set up an account and deducted money from my bank. However when I spotted it and contacted them (which you will not be surprised to hear is extr... See more

Company replied

Rated 4 out of 5 stars

I was inadvertently directed to Credit Engine from another site and unwittingly signed up which after a 14 day free trial became o monthly subscription. Surprised and angry about finding a payment tak... See more

Company replied

Rated 5 out of 5 stars

Excellent customer service experience. I had decided quite quickly, againt having a paid for service. I cancelled literally an hour or do after signing up. Didn’t take advantage of a free trial.... See more

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Rated 5 out of 5 stars

Credit engine trying to steal £19.99 every other day. I dont want or need any of their services , otherwise I would have applied for their services .if they try again im going to fraud investigation... See more

Company replied

Rated 5 out of 5 stars

Fantastic experience with Debenhams, I have bought many items before Christmas and over the Christmas period. Debenhams were efficient mostly on time. I’ve had an amazing experience with them and the... See more

Company replied

Rated 5 out of 5 stars

The lady over the phone was lovely. Id signed up not realising the charge and needed to cancel and she was so so understanding. Absolutley fantastic customer support. If youre looking for help with cr... See more

Company replied

Rated 5 out of 5 stars

I spoke with Dayle from Credit Engine and honestly couldn’t have asked for better customer service. He explained everything clearly about how they work and how they could help me, which really gave me... See more

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Rated 5 out of 5 stars

Credit Engine has been really helpful in improving my credit score and explaining loan options clearly. The process was simple, and everything was communicated in an easy-to-understand way. I feel muc... See more

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Rated 1 out of 5 stars

This company basically farm your details from credit brokers in the pretence that they are offering financial assistance. They make no contact, they don’t introduce themselves or their services. The... See more

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Rated 5 out of 5 stars

I had a huge misunderstanding with my account accidentally signed up for a report didn’t go through terms and conditions. Didn’t get the report because I put wrong details Got charged twice unaware I... See more

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Rated 5 out of 5 stars

I had a great experience speaking with a member of the Credit Engine team today. The man I spoke to was extremely helpful, patient, and knowledgeable. He took the time to clearly explain my credit sit... See more

Company replied

Rated 5 out of 5 stars

After signing up to Credit Engine and looking through their services, which are pretty good, I decided it was surplus to my needs and cancelled my subscription. This was straight forward and simple,... See more

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Rated 1 out of 5 stars

sunsets123yellow FRAUD ACCOUNT AND TAKEN MONEY UNAUTHORISED emailed lots of times for refund no response. reporting to ombudsman unless resolved. crooks take money out of your account for nothi... See more

Company replied

Rated 5 out of 5 stars

I have in been with credit engine for a few months but very impressed with the updates i get from them whenever there is a change in my circumstances and their customer service are also very helpful.... See more

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Rated 5 out of 5 stars

I found credit engine so helpful, even though I have a poor credit score they still managed to help and provide me with thier partners that could help with my situation and needs. Brilliant company,... See more

Company replied

Rated 1 out of 5 stars

Definitely a FRAUDULENT company, taking the mickey out of folk who are physically struggling; I have terminal illnesses. No help at all regarding myself trying to sort out my affairs before I die........ See more

Company replied

Rated 5 out of 5 stars

Having recently had some rather significant and unsettling health and personal issues I was anxious to call credit engine as I thought that I was subject to a money fraud and had no hope of a re... See more

Company replied

Rated 1 out of 5 stars

READ IF YOU WANT THIS BS TO STOP! They are scammers. Preying on people who are unsuspecting and looking for a loan. Best thing to fo is to go to their website ASAP. Type in your email address clic... See more

Company replied

Rated 5 out of 5 stars

I don't know how I've signed up for this! I don't have any account with them! Try to stop the direct debit, you can't! No contact number no nothing!!! Please take action so other people don't get ca... See more

Company replied

Rated 1 out of 5 stars

Signed up unknowingly, realise I hadn’t cancelled in time but was due to family bereavement. However as well as membership fee, an extra £24.99 has been debited from account. Phone number doesn’t go t... See more

Company replied

Rated 1 out of 5 stars

Credit Engine stole my money at a time of extreme financial hardship and poor mental health without my knowledge. I know when I've purchased something because I intentionally buy it. If I've put... See more

Company replied

Rated 1 out of 5 stars

Like others have said complete scam. I don't remember using this site and I definitely have never used their services. upon investigating this I'm realising I don't even have an account set up? I've t... See more

Company replied

Rated 1 out of 5 stars

Dear credit engine I would like to speak with you to discuss this further. Please could you provide us with some more details using the link that's been emailed to you from Trustpilot? You... See more

Company replied

Rated 1 out of 5 stars

Stay away! Complete rip off! Do not out in any information as you’ll be starting a free trial followed by making a payment of £19.99 which is automatically taken from your account. Didn’t even use the... See more

Company replied

Rated 1 out of 5 stars

Whilst trying to get a loan in a time of financial hardship, it appears that I've been tricked into signing up for a free trial for this company. This morning I've woken up to find that £19.99 has bee... See more

Company replied

Rated 1 out of 5 stars

Absolutely barbaric. You've charged me £20 for something I didn't sign upto nor consent to you taking my money out my account. I don't even know who you are. I've read the reviews and also, alot of ot... See more

Company replied

Rated 1 out of 5 stars

I got stung once by a company not dissimilar to this and was left with £60 to live on for two weeks. This was 15 years ago so I have learnt not to give my card details out to companies like this the... See more

Company replied

Rated 1 out of 5 stars

What an absolute con of a company. I put my details in to access their website as I was prompted to and this morning I discovered £19.99 was taken from my account. Allegedly I was on a 14 day trial of... See more

Company replied

Rated 1 out of 5 stars

I feel so stupid! I didn’t notice I was being lured into an unwanted and overpriced subscription when searching for a product to alleviate the hardship i was suffering. It’s exactly the kind of behav... See more

Company replied

Rated 1 out of 5 stars

I was looking for a loan and didn't even know I had started a free trial or signed up for anything, until this morning when it said they tried £19.99 which would have f**ked me over if I didn't have... See more

Company replied

Rated 1 out of 5 stars

I'm yet another victim that has been taken for this £19.99 ride charge for an unaware subscription that everyone else has got suckered into (they must of made a few quid from these or it's their bus... See more

Company replied

Rated 1 out of 5 stars

Credit Engine were supposed to be helping me look for a loan! Instead, asked for my card details to preform a credit check and took £24 out my bank!!! Bank phoned me and have blocked the payment, t... See more

Company replied

Rated 1 out of 5 stars

Company took £19.99 from my account and can't log in using site as it does not recognise my only email address? As I was unaware I had subscribed and as it was not clear I have tried to telephone but... See more

Company replied

Rated 1 out of 5 stars

This is a complete scam ! Be very careful! I was signed up to this unknowingly during a loan application and £19.99 was debited from my account days later without any confirmation received , o... See more

Company replied

Rated 1 out of 5 stars

I checked my transactions and saw a charge for £19.99 when I hadn’t signed up for their services or know this company existed. I emailed them from their site after googling and they basically told me... See more

Company replied

Rated 1 out of 5 stars

credit engine have somehow got my card details and they have tried deducting 19.99 from my bank. Will be calling the bank to cancel any further attempts in a minute , extortionate price anyway 19.99... See more

Company replied

Rated 1 out of 5 stars

After logging into my account,£19.99 was taken for a subscription I never wanted. It’s strange that simply creating and logging into an account triggered a charge, even though I never signed up for a... See more

Company replied

Rated 1 out of 5 stars

I’d give one if possible. Absolutely disgusting company. They’ve been taking money from me for 2 years and I’ve just noticed. I never gave permission or wanted their service that exploits people. I wa... See more

Company replied

Rated 5 out of 5 stars

Taken my last 19.99 payment never consented to this. Really disappointed No mention of a payment to be taken. Really not fair to do this to customers. Hope this can be resolved Spoke to Lorain c... See more

Company replied

Rated 3 out of 5 stars

I do not know this company, I have never signed up to its services and yet it has charged £19.99, no details of what this is for, it has provided no information- this is a scam at the worst possible l... See more

Company replied

Rated 1 out of 5 stars

Just noticed a payment to credit engine i did not sign up for . No customer service number to talk to a operator. Need to cancel this and get a refund asp Update cancelled subscription but no refu... See more

Company replied

Rated 5 out of 5 stars

Quick and honest response from the lady that picked my call Helpful financial advise to maintain good credit score Good phone manners Patience with understanding my questions and needs Also, she... See more

Company replied

Rated 5 out of 5 stars

Through Credit Engine, I was able to access an affordable loan, where I'd been unsuccessful elsewhere. I was able to pay my solicitor fees for remortgaging, which will then raise more funds to clear t... See more

Company replied

Rated 4 out of 5 stars

I’ve just signed up with them, and the person I spoke to was very helpful. He walked me through the forms and explained everything as we filled them out. I would recommend Credit Engine to anyone who... See more

Company replied

Rated 5 out of 5 stars

I unknowingly was been charged 19.99a month for a service I did not know about. At the time I didn't have online banking and as a result was some months before I realized what was happening. I c... See more

Company replied

Rated 1 out of 5 stars

Horrendous! Never logged in once or used credit engines services and they are still taking money out of my account. I want refunded immediately for the 2 months. Can’t call to speak to anyone, the num... See more

Company replied

Rated 1 out of 5 stars

No idea who this company is, but woke up today to £19.99 being taken from my account. Never signed up to them, when I went on their website and tried to log in and I didn’t have any log in details. Ma... See more

Company replied


Company details

Written by the company

Credit Engine was set up to help UK consumers who are struggling to access credit, to understand their credit profile and find credit products that work for them. Whether you have an issue with your credit file you need help with, or want to understand what’s affecting your ability to get credit, we can help. Our team of credit experts are on hand to help you understand what lenders see when making lending decisions. Get a personalised action plan with tips and tasks to help you manage your credit score. With daily updates and 24/7 access to your credit report, you can track your progress towards a healthier credit profile. Try us free for 14 days, membership is £19.99 per month thereafter. You can easily cancel online at any time. If you cancel within your free trial you will not be charged.


Contact info

4.3

Excellent

TrustScore 4.5 out of 5

2K reviews

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

Replied to 100% of negative reviews

Typically replies within 24 hours

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Rated 5 out of 5 stars

Very clear and easy to use excellent…

Very clear and easy to use excellent service

11 February 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Thank you so much for your positive 5-star review!

We're delighted to hear that you found our service excellent and easy to use.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

I love the app since I have been using…

I love the app since I have been using credit engine I have been able to track my credit score see my see my credit report I recommend the app for every one who trying to build there credit score

10 August 2025
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Sarah,

Thank you so much for your fabulous review!

We're thrilled to hear that Credit Engine has been so helpful in allowing you to track your credit score and report.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

Awesome experience

10 February 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Thank you so much for your awesome 5-star review!

We are delighted to hear you had a great experience with us.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

Very easy to use and very helpful

Very easy to use and very helpful

9 February 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Joshua,

Thank you for your fantastic 5-star review!

We're delighted to hear that you found the service very easy to use and very helpful.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

Very promt service

Very promt service

7 February 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Kay,

Thank you for your 5-star review!

We are glad to hear that our service was very prompt.

Kind regards,

The Credit Engine Team

Rated 1 out of 5 stars

I have never signed up for this

I have never signed up for this credit engine thing as I have free credit reports how can I sort this out

10 February 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Kenneth,

I would like to speak with you to discuss this further.

Please could you provide us with some more details using the link that's been emailed to you from Trustpilot?

You can also contact us via the contact form on our website.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

I cancelled and because I was ill they…

I cancelled and because I was ill they gave me a refund, I was absolutely speechless, brilliant the way they looked after me, can't thank them enough.

9 February 2026
Credit Engine logo

Reply from Credit Engine

Dear Norman,

Thank you for your wonderful feedback.

We are truly delighted that we were able to look after you so well during a difficult time.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

This lady was helpful

This lady was helpful. And insightful and very kind

9 February 2026
Credit Engine logo

Reply from Credit Engine

Dear Vanessa,

Thank you so much for your kind words!

We're thrilled to hear that you found our team member helpful, insightful, and very kind.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

Good credit insight

8 February 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Thank you so much for your positive 5-star review!

We're glad to hear you found the credit insight helpful.

Kind regards,

The Credit Engine Team

Rated 1 out of 5 stars

Dear credit engine

Dear credit engine

I would like to speak with you to discuss this further.

Please could you provide us with some more details using the link that's been emailed to you from Trustpilot?

You can also contact us via the contact form on our website.

Kind regards,

7 February 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Hi Steve,

Please provide your details so that we can speak to you directly to try to sort this.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

It's good it's help us to get all at…

It's good it's help us to get all at once

6 February 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Charoliya,

Thank you for your 5-star rated feedback!

We're delighted to hear that our service was helpful and allowed you to get everything done all at once.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

Credit Engine has been really helpful…

Credit Engine has been really helpful in improving my credit score and explaining loan options clearly. The process was simple, and everything was communicated in an easy-to-understand way. I feel much more confident about managing my credit now. Highly recommended service!

6 February 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Hassan,

We're delighted by your fantastic 5-star review!

It's great to hear Credit Engine improved your credit score and clarified loan options.

We aim to make the process simple and easy to understand, and we are pleased you feel more confident managing your credit.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

Very helpful information and supportive…

Very helpful information and supportive and he cleared everything to me

6 February 2026
Credit Engine logo

Reply from Credit Engine

Dear Zainab,

Thank you for taking the time to leave a 5-star review!

We are so pleased to hear that the information was helpful and supportive, and that everything was clearly explained to you.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

Easy and helpful

6 February 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Jay,

Thank you for your kind 5-star words!

We're glad to hear you found our service.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

They provide good service and very…

They provide good service and very helpful

5 February 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Thank you so much for your positive 5-star review!

We are delighted to hear that you found our service good and our team helpful.

Kind regards,

The Credit Engine Team

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