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Creditfix: Debt Management reviews

Name: Debt Management
Rating: 4.82 (794 reviews)

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4.75

Based on 794 reviews, last reviewed 22nd Jul 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

91%

Latest highest rating:

5

Brilliant company Great company and helpful , great five star ratings***** Reviewed on: 11th April 2023

Latest lowest rating:

1

ATTENTION - ANYONE IN DEBT - DO NOT USE THIS COMPANY... ATTENTION - ANYONE IN DEBT - DO NOT USE THIS COMPANY - THEY ARE AWEFUL TO DEAL WITH - NO RESPONSES OR UPDATES AND SPENT 6YRS PAYING OF A DEBT ONLY FOR... Read more Reviewed on: 22nd July 2025

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Creditfix Debt Management reviews (794)

Review of the Creditfix, Debt Management:

For your own best interest, please go elsewhere

I have removed a previous positive review I had left of CreditFix, that I left during the beginning of opening my (now completed) IVA. At the time, I had not recognised how much they use a friendly facade to prey on vulnerable people who are reaching out to try to better their situation and putting trust in them. In hindsight, I had not fully understood the extent of how much of the money I repaid my creditors would go to CreditFix, including during early completion, and I believe this was not explained to me properly on the phone after comparing it with the documentation I agreed to. I accept that naivety on my own part and that even in a very vulnerable and desperate position I should have been more vigilant in my efforts to review what I was agreeing in writing. When I looked to complete my IVA early, I found that CreditFix were very happy to dilly dally around setting up the meeting with my creditors, meaning I continued to pay another two months of repayments whilst waiting for them to arrange the meeting. Whilst this is not the end of the world and I would have been repaying those amounts anyway in the final payment, it was clear that me improving my situation was not their priority. Once my creditors agreed, CreditFix became much less interested in engaging with me - I had to email multiple times for a response and eventually raised a complaint as I was waiting to receive the information to make my final payment and was not being provided this, and was conscious my usual monthly payment date was fast approaching and had no communication on if I missed this payment whilst waiting for the information to make my final payment whether this would negatively impact my credit or count as a missed payment. From the point of my final payment, it took four months to receive my certificate of completion via email. In this notice to me, they stated I should contact Equifax, Experian and TransUnion to notify them of the closure. They did not inform me to contact the government Insolvency Register, which was presumed to be their job, to notify them of the IVA closure. Two years after completion, I have recently gone to move home and my referencing flagged red that I have a current IVA - this was not true and when looking further into it, this was not updated within the Insolvency Register, and it appears the agencies have been using that information as truth over the report I provided, which I imagine is an automatic process. My closed IVA has therefore been showing as active for two more years than necessary to agencies, which I have had to resolve myself to enable my referencing to go through - this may have impacted other credit searches against me in the previous two years unbeknownst to me as I expected CreditFix to have done their job. I had to contact the Insolvency Register myself with the certificate of completion, usually they would leave someone’s details on the register for a period of time after completion but fortunately they have removed mine from immediate effect given the time that has passed since completion. After already feeling I was misled around how much would be paid to CreditFix and having a bad experience with their communication and tardiness, my recent experience where I’ve had to do their job for them (what exactly was I paying them for?) has only further highlighted their poor service, mismanagement and lack of interest in helping customers who are proactively trying to get back on track. I would dissuade anyone from going through this same experience and when looking for a debt management agency to look at reviews from people at all stages of using an agencies service, and not put as much weight on those written by vulnerable people who have just entered into an agreement and who are perhaps disillusioned by a company strategically putting a friendly and understanding voice as their first point of engagement. Reviewed on: 27th May 2025

Changed my life

Creditfix found me in a time where I was so stressed and didn’t know which way to turn. With there help my bills are no longer a stress and I am looking forward to a better financial future debt free Reviewed on: 16th September 2021

That was best choice ever to choose Creditfix

My debts was over 10000,debt collectors was keep knocking my door,was so stressful. I found Creditfix on Google as best rated debt management company and I'm happy I choose them. Weekly affordable repayments 19£ and no more headache. Highly recommended! That's the best desicion I ever made! Reviewed on: 14th September 2021

Fast and efficient

They sorted my debt out with ease very professional quick and efficient put my mind at ease Reviewed on: 9th September 2021

Good Idea, bad company

The IVA in itself was soo helpful. The person who signed me up was awesome and had my best interest in mind. Managed to get my massively overwhelming debt payments down to a small monthly payment. All was good at this point. It didn't get bad until the yearly reviews started. I'm in my 4th year I think, so I've had 3 yearly reviews. Every year they try to claw as much money as they can out of you. I think first year they tried to increase my payments by like 300%. I have to argue every year. Even though my job is the same and my expenses are the same they still try to claw more money. This year they tried again and I had to ring up and argue and it never got sorted. They kept sending me emails saying we need to discuss it with you but when I ring up I can't get through. So they said they will feedback to my creditors. I would recommend a IVA if you are drowning in debt, it will ruin your credit score but of well. But I don't recommend creditfix they are after your money. They don't care about you Reviewed on: 9th September 2021

Absolutely brilliant

Help you out in the best way for your debt . Makes you feel as you can rely and breathe again Reviewed on: 7th September 2021

Financial peace at last

Credit fix is a fantastic credit score app providing a plethora of advice for improving credit scores. Easy to use, regular updating, fantastic. Reviewed on: 7th September 2021

Excellent service and company

Really happy with the service of this company and how helpful they were with me. They solved all my issues and left me feeling happy and satisfied. Highly recommend! Reviewed on: 6th September 2021

Great help and support

I am so grateful for all the help and support I received from Credit fix right from the beginning of a overwhelming situation that I didn't have the solution to. They were very compassionate, understanding and professional and took time to keep explaining things because I was so distraught and in tears. Every time I had a question, they were always on hand to explain things in detail and would call back if they didn't have the answer at hand. Every time I have to make a payment, they would kindly add that I am a step closer to completing my payments which is very positive and encouraging. I would recommend credit fix to anyone struggling with huge debts or needing help with the best way forward with their finances. Reviewed on: 5th September 2021

Saved my life

I was in such a dark place with all that debt over my head and I don’t know how but creditfix popped up one day now now they have took over all my debts and I now have one manageable monthly payment instead of 7. I am so very thankful that creditfix came along. Reviewed on: 5th September 2021

Excellent service

I’m so grateful for creditfix they have worked really hard to sort my debts out and they remind me wvery month about my payments excellent company. Recommend to everyone Reviewed on: 5th September 2021

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