Credit Engine

Credit Engine: managing your credit report and score in the UK

Credit Engine is a subscription service aimed at UK consumers who are struggling to access credit. Its purpose is to help you understand your credit profile and find suitable financial products, whether you have a problem in your credit history or simply want to understand what factors are limiting your ability to obtain finance.

Tracking and monitoring features

The platform lets you check your credit score and report with daily updates, showing what is making your score go up or down. Tracking is carried out through TransUnion and Equifax, so you can see your score with both providers. It also includes continuous monitoring with alerts and fraud prevention notifications, as well as dark web monitoring of your personal data to reduce the risk of identity theft.

Advice and personalised action plan

The service gives you access to a team of credit report experts you can talk to in order to understand your score. It also offers a personalised action plan with tips and tasks to help you manage your score, and assistance to correct errors or irregularities that appear on your report. This is complemented by guides on credit reports and scores, designed to help you manage your finances and overcome problems related to your credit history.

Comparing offers and eligibility

Credit Engine lets you compare rates and personalised offers from a panel of lenders for free, and check your eligibility before applying for a product. The company states that it covers lenders for most credit types and that this service does not require an account. It notes that it may pass your details to another broker or lender who will help you find a suitable product, and that it may receive a commission for this introduction, the amount of which may vary depending on the outcome of your application.

Subscription model

Access is offered as a paid monthly membership after a free trial period. You can cancel at any time during the trial or during your membership; if you cancel after the trial has expired, you will be charged. The information on your report and scores comes from TransUnion International UK Limited, with a score also provided by Equifax Inc., and access is subject to validation.

Corporate structure and regulation

Credit Engine is a trading style of Credit Technologies Limited, an appointed representative of Quint Group Limited, which acts as a broker, not a lender. Credit Technologies Limited is registered in England and Wales with company number 07197002 and registered office at Glasshouse, Alderley Park, Nether Alderley, Cheshire SK10 4ZE. It is licensed by the Information Commissioner's Office with registration number Z2473635 and is entered on the Financial Services Register under reference number 723678 as an appointed representative of Quint Group Limited, a firm authorised and regulated by the Financial Conduct Authority under reference number 669450.

Location and contact

Glasshouse, Alderley Park, Nether Alderley, Cheshire SK10 4ZE · Phone: 03330030082