My Credit Monitor

Free Trial £14.99 View Report


My Credit Monitor has a multitude of fraud deterrence tools, identity protection and easy-to-use credit monitoring elements. Our team sat back to experience what features they have to offer and have used our reach to help you make the right choice.

We discuss some of their strengths and aspects that they could make improvements on and subsequently this will help customers like yourself decide whether it’s the business for you.


What We Liked:
  • Precise results
  • Prompt service
  • Straightforward to use

We Didn't Like:
  • Need to cancel as soon as possible if you no longer want the product

Your 'My Credit Monitor' Report
Your 'My Credit Monitor' Report

Click to view your Credit Report and discover for yourself why My Credit Monitor is such a good site!

Free 14.99

What is My Credit Monitor?

My Credit Monitor is a service which helps you track your credit, and also offers numerous fraud protection services. It’s an easy to use product and they help you comprehend how your rating is assessed and ways in which you can improve on it. They are an information based company with a customer service desk always ready to help you.

We managed to review MyCreditMonitor by experiencing their service for ourselves, our team of experts went to work on analysing this company. We have no association with this tool or any others for that matter, we simply remain neutral and use our knowledge to help you decide whether this company is a fit for you and the requirements that you have.

If you are looking for a credit expert, you will definitely benefit from MyCreditMonitor. Alternatively, you could have a look at our other reviews, like our UK Credit Ratings Review and others.

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How to Join

As you reach the website of MyCreditMonitor you will soon see how easy it is to become a member, they have their tools and features listed and also a link to signing up for a free credit check. You can enjoy your credit report and score for free with their 30-day free trial.

When you enter simply click onto the “Access Your Credit Report & Score” and the fill in your personal details. From there you can sign-up and enjoy a free trial, you’ll need to input your payment details but you can cancel the membership at any time.

My Credit Monitor

If you decide to stick with My Credit Monitor then it will cost you £14.99 a month and you will get a range of services. We accessed the free trial and enjoyed some of the different features including advice and monitoring utilities, alerts and identity protection.

We trialled their service in order to report back to you and we give their trial the thumbs up, read on to find out why.

Customers can make use of the trial and enjoy all of the features available. My Credit Monitor login is simple, which means there is no messing about and you can sign in and out whenever you want.

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About MyCreditMonitor

MyCreditMonitor is a UK site that helps people who wish to view, improve and monitor their credit rating. MyCreditRating has over 40 years experience and has great rapports with thousands of clients across the United Kingdom.

Due to their many years of experience, MyCreditMonitor is a well established company with a number of loyal customers. If you wish to be a part of the site and you want to receive your report, make sure to sign up today.

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What Information Do They Give?

This is were they stand out from the crowd- not only offering generic information but also trying their hardest to excel with the information that they offer.

You can enjoy their tips, hints and expert advice on repairing your score. They offer these through different platforms such as blogs, tutorials, infographics, educational videos and guidance.

The way MyCreditMonitor approach educating customers is something that we admire as it’s easy to simply display a credit score but improving it is something else, they offer more than just answers to FAQs; they have a very hands-on approach with more than just a few articles.

They have an entire learning centre that helps you come to terms with techniques, tactics and what’s taken into consideration.

As well as tips on improving your credit rating, they also offer help on ways that you can access loans and mortgages.

The information at My Credit Monitor includes:

  • Insightful blogs on credit scores and tactics
  • Information on loans and mortgages
  • Infographics to help you with personal finances
  • Videos and tutorials
  • Credit guidance for enquiries

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What Information will my Credit Report contain?

If you’re still unsure on whether you even require a credit report then you should touch up on your knowledge, MyCreditMonitor help you with that.

They tell you what a report is; how you’re score is formulated and other elements of your finances.

Their data takes the following into account:

  • Personal information
  • Financial history
  • Past credit
  • Outstanding credit
  • Credit inquiries
  • Public records

We all have a credit score regardless on whether we are looking for credit or had it in the past, it’s something that requires some understanding and that’s why it’s always brilliant to have these types of companies. MyCreditMonitor help us understand and also show us other aspects of our score. If you would like to look through your options, have a look at our Check My File Review.

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Service & Features

MyCreditMonitor are a trusty company that have a whole range of services and features that can benefit financial novices and experts alike, not only can you enjoy a detailed breakdown of your report but you’ll also have their fraud protection included.

Their strong service includes their help too- with on-going support and what’s more, they also have plenty of advice to help you make improvements.

Credit rating

Their most favourable attribute has to be the amount of advice that they offer which in a lot of ways is more important than the report itself?

Well- either way they offer a great package with many aspects included into their deal.

Once you stay with them for longer than a month you will need to pay £14.99 a month and you will be privy to all of the aforementioned benefits.

Their package include features such as:

  • 24/7 monitoring
  • Improving techniques
  • Updates your credit report
  • A learning centre full of educational tools
  • 30 Day free trial
  • Bi-yearly reports
  • Alerts and text messages
  • Fraud protection

It’s easy to see where they shine with a bundle of intriguing information, alerts and an easy-to-contact team. They could definitely improve their fraud protection but it’s not to say it isn’t effective, they just seem to be a little behind in comparison to their rivals.

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Dispute & File Correction

They don’t highlight their options for supporting your dispute, this is no different to many business of this nature. Although we do take kindly to the ones that make a special effort to support our dispute claims against a lender.

A dispute and file correction is when you are rejected for a loan or credit and feel that they have scored your credit wrong. If that’s true then you can take it to your credit report company and they will help you distinguish whether or not they have scored you wrong.

It’s important because being rejected then affects your score negatively.

This company will help you file a claim but you need to get in contact with them. From then they can assess whether you’ve been wrongly refused credit and can appeal for a file correction where they retract the decision and look at your credit score once again. Take a look at our review for to see another option.

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Ease of Use

This is one of the biggest benefits of their credit report, they make it easy for anybody and everybody.

There are a lot of different features and MyCreditMonitor make each one simple to understand. From their credit report to their advice, they have a lot to keep you on track, you can signup straight away and enjoy some of the many options.

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Safety and Security

As expected- they take every client’s confidential data very seriously, we inspected this and were happy to share our details with the trusted company. Not only are they trusty with your details but are also praised for being completely upfront and never employing any hidden costs.

They are upfront with what information they use and it’s all-relevant to your credit. They ensure a safe password and make your whole account completely secure, plus they have their own fraud team to help you avoid identity theft.

Improve Your Credit Score

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Help & Support

MyCreditMonitor are a very personal company that give you their attention and try to communicate with you on an individual level. This makes it easier for us to get the support we need.

They can be contacted via their phone number, e-mail or you can open a ticket, if you open a ticket they will reply to you via e-mail.

They are quick to get back to you and answer any enquiries that you may have. One criticism would be the absence of a live chat which could help many whilst at work but their opening hours are from Monday all the way through to Saturday.


In order to carry out a cancellation of your MyCreditMonitor agreement, make sure to call 0344 381 4163 or write to the company.

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Our Verdict

Overall- they’re a reputable company that have some very unique selling points. They could certainly make more of their reports and they lack the benefit of social media monitoring amongst other innovative technology that some companies use.

With that said, much of their appeal is regarding their personal touch and great customer service. They go all out to help you with your needs and we found them very helpful, we’d definitely recommend trying the free trial for yourself.

They can’t be matched for pure information either- with a catalogue of incredible educational sources.

They showcase their tips through various sources including blogs, answers, videos and tutorials. They have an all-round educational centre that could help you improve your score.

If you have decided MyCreditMonitor is not the site for you, check out our other reviews. Another site we would recommend would be Experian Credit Expert, check out this review now for more details on a free credit check and costs of continuous reports.

5.8 Total Score
My Credit Monitor Review

Overall, My Credit Monitor is a great site for those looking to find out their credit report. We would highly recommend the site to anyone looking to find out their rating quickly and easily online.

5.8Expert Score
Ease of Use
Value for Money
9.5User's score
Ease of Use
Value for Money
  • Precise results
  • Prompt service
  • Straightforward to use
  • Need to cancel as soon as possible if you no longer want the product
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  1. 4.75
    Ease of Use
    Value for Money

    Cannot believe how easy this was to get my credit score. Great platform

    + PROS: Very easy set up
    - CONS: Had to wait 48 hours for a reply to my password issue
    Helpful(0) Unhelpful(0)You have already voted this

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