Read MNers reviews of TotallyMoney & find out how to improve your credit score

[EmmaMumsnet]

We recruited Mumsnet users to test out free credit report provider TotallyMoney Testers signed up to TotallyMoney to find out their credit score and look at what has affected it over the years. They then browsed the TotallyMoney site to see credit cards, loans, and mortgages they could be accepted for based on their credit score, as well as tips on how to improve their credit score.

Here’s what TotallyMoney has to say: “TotallyMoney is a Free Credit Report provider, which aims to make consumer credit fairer and more transparent by giving customers the information they need to make the right choices.

Until recently, our customers didn't really know why their credit score changed, meaning they had little idea of what they could do to make it better. What's more, our customers didn't know whether they were eligible for a credit product: their only option was to apply and hope they would be accepted. This was a problem, because being rejected for credit can make it much harder to get accepted for credit in the future.

Now, thanks to our Free Credit Report, that’s a thing of the past. Your Free Credit Report lets you track your credit score and gives you reasons why your credit score has changed, so you know what you need to do to improve it. Your Free Credit Report also comes with Borrowing Power: one number to show the best offers for your credit profile — offers you're most likely to get accepted for, helping reduce your chances of being rejected.

But, why else should you sign up to TotallyMoney? TotallyMoney is free and always will be — and 97%* of customers would recommend us to improve their credit score. Our service is easy to use and understand, we’re the highest rated Free Credit Report provider on Trustpilot, and we're Moneynet’s Best Credit Report Provider 2018.”

If you’d like to find out your credit score and how to improve it click here to sign up to TotallyMoney.

All selected testers who leave their feedback on this thread will receive a £10 voucher of their choice (from a list) for taking part AND will be entered into a prize draw to win one of three £100 vouchers.

Testers please answer the following questions:

• How did you find the overall experience of using TotallyMoney?
• How did you find the sign-up process?
• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?
• What did you think of your Borrowing Power?
• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?
• How has your knowledge of your financial situation changed?

Thanks and good luck!

MNHQ

Terms and conditions apply

*Based on a Feb–March 2018 survey of 958 respondents.

[CathBookworm]

-My overall experience of using TotallyMoney was very positive. It’s a quick useful service. Very important to keep track of credit score.

• The sign-up process was incredibly easy. It took about 2 minutes and I didn’t have to add hard to find data, just name, email , how long at current address etc.
  
• My favourite aspect of the TotallyMoney site is bring able to view my credit score and who has recently searched my record. This is probably the most useful bit for me at present.
  
• What did you think of your Borrowing Power? At 8.5 it was classed as Excellent which is fine by me- I’d be interested on what you do to get a score of 10!
  
• TotallyMoney’s recommendations for products were good, a variety of deals and very clear and well organised.
  
• I’d say my knowledge of my financial situation hasn’t changed much as I don’t have a lot of accounts and I’m very good at keeping tabs on everything. But reassuring nevertheless to keep an eye on credit score and view new deals.

[ellebell89]

I must say I'm very impressed! The whole sign up progress was incredibly quick and simple. Once registered, I was able to see my credit score and everything around it, including old accounts, how much is owed, where I've moved from, all kinds of information that I wouldn't have remembered! I really liked the "borrowing power" section. It gives u a far more accurate idea of how likely u are to be approved out of 10, mine doesn't look great but atleast I know now! I like that it gives u potential options for credit based on your situation without doing a credit check. The site itself is smooth and easy to navigate. It's easy to find information. I've seen a lot more about my credit history than i would have previously it's really opened my eyes and I feel I've actually gained a lot more information and can look to make improvements in certain areas based on the information I've found through totally money's site, so thank u very much and I look forward to keeping an eye on my credit situation over the coming months!

[Nicfletcher87]

• How did you find the overall experience of using TotallyMoney?
  

Overall totally money was extremely easy to use and navigate, well laid out, visually appealing and extremely user-friendly

• How did you find the sign-up process?
  

The signup process was a lot quicker than I thought, and not as in depth as I thought it would be. Initially I was concerned about the types of information I would have to give, and the length of time it would take however my expectations were exceeded. I do feel slightly concerned at how little information I had to give to be able to view a lot of my personal information.

• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?
  

I like that I was able to actually see the debts I still hold all in order, & learning that there is actually ways I can increase my score, which I didn’t think possible.

• What did you think of your Borrowing Power?
  

It was where I expected to be, not good at all 😂 However I liked the fact there was also a positive on the page about increasing my power

• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?
  

Loads better than I’ve seen on other sides! There was services I hadn’t heard of before that won’t cost me anything but will help my score when I save, & I will be taking up this offer! It was honest, & didn’t give me any options that I’d still end up being declined from.

• How has your knowledge of your financial situation changed?
  

I wouldn’t say my knowledge has changed, I was aware that I am currently in a very poor financial situation and the service confirmed that however it has enlightened me to the fact that there is ways I can improve my score without taking out credit etc

[wheresmyliveship]

Feedback:

• How did you find the overall experience of using TotallyMoney?
  

I found it really simple, liked the interface and it all made sense

• How did you find the sign-up process?
  

Really simple, although I couldn’t remember specific details about accounts I had opened nearly 10 years ago so failed the first verification. Was fine as another set of questions immediately appeared.

• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?
  

Specific mortgage guides - eg for remortgaging. I also like rewards/ cashback on cards so I like being able to look at specific deals.

• What did you think of your Borrowing Power?
  

I would have liked to know why it is where it is.

• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?
  

Liked them! Good variety according to situation.

• How has your knowledge of your financial situation changed?
  

I was already quite aware but found a collection of products to be helpful.

[mumsbe]

How did you find the overall experience of using TotallyMoney?
This was very quick to sign up to but I could not find my report with the questions asked

• How did you find the sign-up process?
  

Very quick

• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?
  

The borrowing bit and how to improve my score

• What did you think of your Borrowing Power?
  

Very useful and helpful

• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?
  

Very good and it tells you what to do to improve your score

• How has your knowledge of your financial situation changed?
  

I now know what I can do and what I can do to improve my score

[notyourmummy]

How did you find the overall experience of using Totallymoney?
I found it easy and quick to sign up, although the site was more difficult to navigate on my mobile than on my pc.

How did you find the sign up process?
Really easy, much more straightforward than I was expecting!

Which aspects of the Totallymoney site do you like best? And which were most useful to you?
Being able to see all in one place exactly what searches have been made on my credit history was really useful, and I liked the easy to understand way the information is set out.

What did you think of your borrowing power?
I was surprised at the result, considerably lower than I expected.

How did you find Totallymoney's recommendations for products?
They were interesting and not what I expected.

Has your knowledge of your financial situation changed?
Yes, it's been a very informative exercise.

[del2929]

• How did you find the overall experience of using TotallyMoney?

very pleasant ,

• How did you find the sign-up process?

extremely easy- infact i was thinking it was going to take up alot of time doing this but it didnt.

• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?

the information provided is great- its a very easy site to use. very clear and to the point.

• What did you think of your Borrowing Power?

it was good, id like to know why it wasnt top of the list to be honest

• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?

they were interesting- lots of competative rates.

• How has your knowledge of your financial situation changed?

yes- i realise now that i have got a good credit rating lol

[nikkinemo]

I found it simple to sign up and easy to use, very clearly laid out.
The sign up process was easy and clear.
I like the fact you can see your options and credit file instantly and its all so clear!.
Borrowing power was a little unexpected, it seemed lower than I would have thought given the history and details shown.
Good recommendations but a bit of a surprise.
Has changed my view towards my financial situation, am feeling reassured in the results and found it really interesting.
I would continue to use the service and recommend to others too.

[Seagullslanding]

I have to say i am very impressed with TotallyMoney. I didnt think it would be so clear. concise and easy to navigate.


How did you find the overall experience of using TotallyMoney?

Very easy to navigate and very quick to find the information i was interested in.

I liked that i could see all my DEBT spelt out, all together on one page

• How did you find the sign-up process?

I first groaned when i saw the questions. I really didnt think i could remember the answers they were looking for. I guessed/eliminated answers that were definitely incorrect. I must have answered it correctly as i logged in.

• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?

Seeing all my debt on one line.
Being reassured that there had been no incorrect checks against me.
Seeing my score
and knowing that i can easily get credit etc if needed

• What did you think of your Borrowing Power?

I was surprised, i only work part time

• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?

Very clear to understand

• How has your knowledge of your financial situation changed?

Most definitely. I was very impressed with the site. I will be back on a regular basis

It has made me feel a bit more in control of my financial future and the options available. I know where to go if i need advice/suggestions on credit cards etc.

Great site

[MilkyMamma]

- How did you find the overall experience of using TotallyMoney?
Really good, so easy to navigate, really user friendly, easy to find everything. I was really impressed.
- How did you find the sign-up process?
Super speedy and easy, only took a few minutes and didn't go as in depth as I thought actually.
- Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?
It's pleasing to the eye, it's not complicated, I think the site flows really nicely. It's useful to be able to look back on stuff I probably wouldn't even have remembered.
- What did you think of your Borrowing Power?
Seems ok, as good as I'd have expected I think.
- How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?
Easy to read and follow, everything is explained really clearly.
- How has your knowledge of your financial situation changed?
My credit score was much lower than expected considering I've never had bad debt and not had any financial problems, I'd be interested to see how it changes over the years now I know how to improve it. Would be nice to see a history of how it's changed if that's at all possible.

[natty28]

I was very impressed with this website. It's very clearly laid out & easy to navigate.
It was quick & a very simple process to register my details & view my credit report.
I have always been good with juggling finances so it was good to know my credit score reflected this.
It was useful to have all the borrowing info in one place and again clearly laid out so you can see percentage wise how likely it is that you will be accepted.
All round a great website that's easy to use & simply formatted. I will definitely be using this again to check my report and if I need a loan/credit card etc. Then I would definitely look here first.

[CrumblyMumbly]

How did you find the overall experience of using TotallyMoney?

It was surprisingly quick and easy - though trying to make me remember what credit card I had in 2014 tested my befuddled brain a bit!

• How did you find the sign-up process?
  

Very painless.

• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?
  

I like finding out my credit score and ways to improve it. Also, knowing whose been doing searches on my account - feel like a spy!

• What did you think of your Borrowing Power?
  

I was surprised to have an excellent rating - makes a change!

• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?
  

Very good - nice to have all the deals in one place to save shopping around. I've already swapped one of my cards to get a better rate.

• How has your knowledge of your financial situation changed?
  

I feel much more informed and in control of my finances. I will recommend the TotallyMoney site to my disorganised family and friends. Thanks for letting me try this.

[PhilomenaMothra]

The overall experience was very good.

The sign-up process was very easy.

The site looks very professional.

My Borrowing Power's very good.

Recommendations for products were very helpful.

I knew nothing of my financial situation before, so this was a revelation!

Thanks for choosing me for this product test.

[yasmin0147]

• How did you find the overall experience of using TotallyMoney?
  

I was actually quite impressed, it was very quick to check my credit score

• How did you find the sign-up process? Very easy didnt take me long which is amazing as I’ve got a little one trying to distract me every few seconds
  
• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?
  

I liked seeing my credit score, I don’t want to borrow any money so that’s not useful for me but I can see how it would be for other people

• What did you think of your Borrowing Power?
  

It was ok but it’s not a service I would use myself

• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?
  

It’s nice to have it all in one place instead of having to look around for hours

• How has your knowledge of your financial situation changed?
  

It’s actually made me more at peace with my financial situation, before I saw my credit score I was panicking about my financial history.

[K80LTL]

• How did you find the overall experience of using TotallyMoney? - Excellent service, so quick and easy to use
• How did you find the sign-up process? - Again excellent, very quick, didn't need to go searching for lots of information just a few simple questions
• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you? - I found the section about which loans etc you'd be likely to be accepted for most useful as I am currently looking to take out a loan so this did the research for me
• What did you think of your Borrowing Power? Very interesting to see as it's not something I've thought about before
• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)? Great! I've already put an application in for a loan it recommended would be most suitable for my needs!
• How has your knowledge of your financial situation changed? I fee as though I have learnt a lot about my financial situation in such a short space of time! I will definitely keep using this service to try and improve my credit rating and will also get my husband to sign up to!

[growinganotherhead]

How did you find the overall experience of using TotallyMoney?
*The signup process was really quick and straight forward; nothing unexpected or difficult.

How did you find the sign-up process?
*I was surprised at how little information I had to give to be able to view a lot of my personal information through a third party.

Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?
*I liked that I could see my accounts/ debts in one place and seeing I could actually increase my score, which I didn’t think possible.

What did you think of your Borrowing Power?

• Pleasantly surprised I actually had more options than I thought. I liked the positives on the page.
  
  How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?
  
• There were some services I hadn’t heard of before and a couple of quite high interest cards in there I would worry about. I may take up the offer for my credit card which looks to be a good deal.
  
  How has your knowledge of your financial situation changed?
  *Not necessarily changed; I am aware of my financial situation although the service has shown me ways I can improve my score.
  I will continue with this site, thank you.

[heeblejeeble]

• How did you find the overall experience of using TotallyMoney?
  

Really easy and straightforward. It’s not mumbled financial jargon it’s relatively easy to understand where I’ve gone wrong in the past with credit issues.

• How did you find the sign-up process?
  

So so so easy. Much easier than other credit score sites, but it’s a little disconcerting how easy it was to see every bit of financial information on me.

• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?
  

I really enjoyed following the graphs on my credit cards and seeing how it went up and down and then eventually just kept going down (when I was good at paying things off rather than buying) but also i could pinpoint exactly where I went ‘wrong’ with my borrowing. The detail was amazing. I also didn’t realise I was linked to so many addresses so being able to see that clearly was extremely useful to me.

• What did you think of your Borrowing Power?
  

I could do much much better but it’s not as a bad as I thought it would be.

• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?
  

To be honest I wasn’t expecting anything great but the offers tailored to me aren’t that bad, I have options should I need them and that’s the main thing. But I’ll keep working on my score until it gets better and then get better deals. It’s good that it sort of warns you if you’ll be accepted or not so I know it won’t damage my report if I apply.

• How has your knowledge of your financial situation changed?
  

I feel massively more positive about my financial situation, I know what steps I need to take to increase my score and I’ll start working on it today! Even things that I didn’t realise were connected to your score (being on the electoral roll being one) so it’s amazing to have a clear picture of everything that needs doing. Very very happy with totally money.

[ImperfectAlf]

• How did you find the overall experience of using TotallyMoney?
  

Very easy. It was informative and easy to navigate the site. It could show me things I had forgotten from ages ago, which could be useful in the future.

• How did you find the sign-up process?
  

It took a couple of minutes. I didn't need to put too much detail about n either, which is great if you're feeling lazy.

• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you.
  

The layout is incredibly clear. It is straightforward to find what you're looking for. The information is easy to understand and digest. I like the dashboard, as it is all laid out.

• What did you think of your Borrowing Power?
  

It's about what I would expect. I have no debts, luckily, so I would expect a decent ability to borrow.

• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?
  

It was easy to see what I was looking for. (I wanted to look at travel cards) I didn't like the sponsored one being on top. I was also a bit surprised that it recommended the card I have, even though it clearly isn't the best.

• How has your knowledge of your financial situation changed?
  

My credit score was about what I expected, considering I've never had bad debt and not had any financial problems. I would like to see a history, like Milky.

[mshell1231]

How did you find the overall experience of using TotallyMoney?

I thought the layout of the website was very good. All the information on my report was correct. The website was easy to understand and navigate.

• How did you find the sign-up process?

The sign-up process was very easy and only took a few minutes.

• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?

The card eligibility was useful. I like that the site tells you how likely you are to be accepted for the card before applying.

• What did you think of your Borrowing Power?

I searched the cards and loans that I may be eligible for and think this may be useful in the future when I may be looking to take out a loan. I think this part of the website is very good.

• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?

I didn't search mortgages as it doesn't apply to me, but the card recommendations were good and something I will come back to in the future.

• How has your knowledge of your financial situation changed?

The report matched my thoughts on my financial situation.

[princessgray]

How did you find the overall experience of using TotallyMoney? I can't stress enough how extremely easy it was.

• How did you find the sign-up process? Straightforward and quick.
• Which aspects of the TotallyMoney site do you like the most? Seeing my accounts all togther and getting an overview of my situation. And which were most useful to you? An overview of my situation.
• What did you think of your Borrowing Power? Surprised I am eligable to borrow the amount on my part time wage. However some of the offers were very high APR and I would never consider them
• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)? Clear and made sense.
• How has your knowledge of your financial situation changed? It has made things a little clearer.

[KandJblog]

• How did you find the overall experience of using TotallyMoney? it seems like a nice simple website but sadly it could not generate a credit report for me
• How did you find the sign-up process?

Very quick and simple

• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?

I like the mortgage search for first time buyers, this is of great interest to me as im hoping to be purchasing our first house soon

• What did you think of your Borrowing Power?

Found this interesting, its good to know what i would likely be accepted for

• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?

Very comprehensive, loads of choose from

• How has your knowledge of your financial situation changed?

would have helped if they managed to generate my credit report !

[3Blues]

-How did you find the overall experience of using TotallyMoney?
I found it very easy and simple to use, so user friendly! Very intuitive and helpful! Much better than other similar services!

• How did you find the sign-up process? Quick and easy, very detailed but not over taxing!
• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?

It was very easy to use, very intuitive. So easy to navigate and find all of the information I wanted and needed.

• What did you think of your Borrowing Power?

I was surprised but happy at what was available. I am not in debt, but for some reason thought I wouldn't have that much borrowing power. I was pleasantly surprised!

• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?

I found there was a good selection with plenty of information available to be able to make an informed decision.

• How has your knowledge of your financial situation changed?

I have a more informed view of my financial situation, it's always something I want to avoid looking at, but I'm glad I did and I would definitely use TotallyMoney to keep up to date with my financial situation, rather than other tools I currently use.

[thesoupdragon44]

How did you find the overall experience of using TotallyMoney?

• How did you find the sign-up process?
  

Very easy to sign up with some basic information.

• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?
  

I wasn't sure I really needed to know but found it interesting to see the soft and hard searches on my record. This would be good for when you want to take out a loan.

• What did you think of your Borrowing Power?
  

It was as expected, as I am self employed.

• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?
  

I think it would be useful to look into the options on the site if I was looking for a loan or new credit card.

• How has your knowledge of your financial situation changed?
  

I think it has made me better understand how company's see me. It would be very useful to be able to keep the information in case my situation changes.

[Louker1975]

I tried to get my credit report but after answering the questions it couldn’t get my report as it said I had answered the questions wrong but I hadn’t. So I was’t that impressed with the service but I did click on the other offers link which takes you to card issuers to be able to apply for credit cards. So no good for me but maybe ok for other users.

[wineandcheeseplease]

• How did you find the overall experience of using TotallyMoney?
  

Easy to use and makes a lot of sense.

• How did you find the sign-up process?
  

Very easy which is brilliant.

• Which aspects of the TotallyMoney site do you like the most? And which were most useful to you?
  

It was good to see my credit score, but I don't see much of it that useful to me as I am paying off all of my debts via a dms.

• What did you think of your Borrowing Power?
  

Not great for me as someone who cannot open new credit accounts.

• How did you find TotallyMoney’s recommendations for products (e.g credit card/mortgages)?
  

Seems okay, but not applicable for me on a DMP.

• How has your knowledge of your financial situation changed?
  

It hasnt!