Ok so this service on the face of it looks great, to anyone who doesn't understand there credit score or how to improve it. But in the real world it's a total waste of time, and abit of a scam really. I say this loosely as you can either pay them £30 to have your own savings put in your own bank or be forced into opening a new bank account to have your own money back for free. Well that's a big hassle to get your own money back and will take several weeks before you actually have access to your savings not do good. Next is the credit score options so the only free one only gives you 10 points now if you have an amazing score and are struggling to get those final few points to max it out then why not but to the normal person with a score that needs improvement like 99% of there customers the measly 10 points just isn't worth the hassle. To get any more from them cost you money which is counter productive. So really this is just a scam to get people to sign upto new bank accounts. As you should all know you credit score fluctuates every month commonly buy a number much greater than 10 points say 20-30 points on average all the way upto 120 points depending on your circumstances. So with this in mind the 10 points offered is a pointless drop in the ocean with no real affect on your score what so ever. So this service just ends up being a pointless direct debit. I mean if you are incapable of saving them this may be an option for you however with regards to your credit score the impact is negligible and really not worth the hassle. You would be 1000% better off having a phone contract or credit card or something similar and keeping up with that as they will have a real impact on your score instead if a pittiful 10 points which then cost you more time and money potentially than the 10 points would ever be worth in the real world. If it was 100 points for free then this may be one a viable service to help those with poor credit. But unfortunately as it stands it's abit if a gimmick to trap new customers into changing bank accounts or signing upto other subscriptions. Seriously just get a new toy on credit and pay it off least then you have something to show for it and has more of an impact on your score. Note all new credit reduces your score for few months then it will go up higher than what you started at its a patient Gabe building a good credit score.
Reviewed on: 17th October 2021
