1. Definitions

When the following words are used in these Terms, this is what they mean:

Credit File: the information held about you by a Credit Reference Agency, as described in section 4.

Products: the free credit information services and tools we provide, including your credit score, credit report, and related features.

Terms: the terms and conditions set out in this document.

Credit Reference Agency: an organisation that provides credit reference and credit scoring services which we use to deliver our Products.

References to “we”, “us” and “our” mean My Credit Score LTD.
References to “you” and “your” mean you, the user of our Products.

2. Your Contract with Us

These Terms govern your use of our Products.

By registering for and using our Products, you agree to these Terms, which form a binding agreement between you and us.

We recommend that you keep a copy of these Terms for your records.

3. About Us

We are My Credit Score LTD, registered in England and Wales (Company No. 9511750), with our registered office at:

6 Acorn Business Park, Heaton Lane, Stockport, England, SK4 1AS.

We are authorised and regulated by the Financial Conduct Authority (FCA). Our details can be found on the Financial Services Register.

We are a credit broker, not a lender.
We may receive a commission from lenders or partners if you choose to take out a financial product through our platform. This does not affect the service you receive.

4. Your Credit File

To provide our Products, we obtain information about you from a Credit Reference Agency.

This includes:

• Identity verification data (e.g. electoral roll)
• Financial account information (e.g. loans, credit cards, utilities)

This information forms your Credit File, which you can view through our platform.

A record of your request to access your Credit File may be logged but will not be visible to lenders.

5. Accuracy of Information

We do not control the data held by Credit Reference Agencies and therefore cannot guarantee that your Credit File is accurate, complete, or up to date.

If you believe any information is incorrect, you have the right to request correction. You may:

• Contact the provider directly, or
• Ask us to assist you

6. Our Products

We provide a range of tools and services designed to help you understand and improve your financial position, including:

• Credit score and report
• Credit factors and insights
• Personalised recommendations
• Financial tools and calculators

All Products are provided free of charge.

There are:

• No subscription fees
• No usage charges
• No cancellation fees

7. Registration and Access

To use our Products, you must:

• Register an account
• Provide accurate information
• Keep your login details secure

You must notify us immediately if you believe your account has been compromised.

Our Products are available to UK residents only.

8. Closing Your Account

You may close your account at any time by:

• Logging into your account and following the closure process, or
• Contacting our customer support team

Once your account is closed:

• You will lose access to your Products
• Your historic data (including credit reports) may no longer be available

As our Products are free, there are no charges or refunds associated with closing your account.

9. Your Obligations

You agree to:

• Provide accurate and truthful information
• Use the Products for personal, non-commercial use only
• Not misuse, copy, or distribute our services or content
• Not attempt to disrupt or damage our systems

10. Ownership of Content

All intellectual property rights in our Products and website are owned by us or our licensors.

You may only use our Products as permitted under these Terms.

11. Use on Behalf of Others

Our Products are intended for your personal use only.

You may only act on behalf of another person where you have legal authority to do so (e.g. power of attorney).

12. Website Use

Use of our website is also subject to our Website Terms of Use, which form part of this agreement.

13. Promotions

From time to time, we may offer additional features or services.

Unless clearly stated otherwise, our core Products remain free of charge.

14. Suspension or Termination

We may suspend or terminate your access if:

• We suspect fraud
• You breach these Terms

Where possible, we will investigate and restore access if no breach is confirmed.

15. Liability

Nothing in these Terms excludes liability where it would be unlawful to do so, including:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation

We are not responsible for:

• Decisions made by lenders
• Changes to your credit score
• Errors in third-party data

16. Events Outside Our Control

We are not responsible for delays or failures caused by events outside our control, including:

• Technical failures
• Network outages
• External system issues

17. Your Personal Information

We process your personal data in accordance with our Privacy Policy.

We may share data:

• With Credit Reference Agencies
• To prevent fraud
• Where required by law

18. Changes to Terms

We may update these Terms from time to time.
Where changes are significant, we will notify you.

19. Complaints

If you have a complaint, please contact us via our website.

If you are not satisfied, you may refer your complaint to the Financial Ombudsman Service.

20. Governing Law

These Terms are governed by English law.

21. Regulatory Information

My Credit Score LTD:

VAT Number: 236554009

FCA Authorised (FRN: 713043)

ICO Registered

These Terms are dated 04th May 2020.