TotallyMoney, the free credit score report and rating app operated by Intelligent Lending Group, has reached six million registered customers within the UK, a milestone the Manchester-based firm marked on 21 October 2026. The determine represents roughly 11% of the UK grownup inhabitants, primarily based on mid-2025 ONS inhabitants information cited by the corporate.
The platform supplies customers with dwell entry to their TransUnion credit score rating and report, alongside automated alerts when the rating adjustments and personalised steerage on enhancing their credit score standing. It additionally acts as a lead-generation channel for bank cards, loans and different retail monetary merchandise, a mannequin widespread amongst UK credit-comparison and credit-health platforms.
What the engagement information exhibits
TotallyMoney’s inner evaluation of greater than 7,000 clients who joined in September 2025 and had been tracked by to July 2026 discovered that 45% of those that began with a “low” TransUnion rating (under 556) improved their rating inside six months. Among the lowest-scoring phase, clients who entered with a rating under 400, the proportion who improved was 86%.
Frequency of use correlated strongly with end result. Customers who checked their report each month achieved a rating improve 2.3 instances, or 133%, bigger on common than those that engaged much less frequently. The firm attributes this to recurring monitoring prompting behaviour adjustments: paying down balances, correcting errors on a report, or just avoiding missed funds. The evaluation is self-reported and carried out by TotallyMoney’s personal information workforce somewhat than an impartial third occasion, a caveat price noting.
Chief govt Nik Charalampous described the milestone as the results of folks taking lively management of their monetary conditions, and pointed to the breadth of circumstances driving sign-ups, starting from thin-file customers with out a longtime UK credit score report to these rebuilding after monetary problem or making ready for a significant credit score dedication such as a mortgage.
Market context and aggressive panorama
The UK credit-health market has matured significantly since TotallyMoney launched its free credit score report service in 2017. Credit Karma, Experian‘s client app, ClearScore and MoneySuperMarket‘s credit score instruments compete for related audiences, and all function on variants of the identical freemium mannequin: provide free credit score monitoring, monetise by matched product suggestions. The aggressive benefit tends to sit down in information depth, matching accuracy and the standard of the personalisation engine somewhat than within the report itself, since TransUnion, Equifax and Experian information is accessible throughout platforms.
For lenders, the phase issues as a result of customers who actively monitor their credit score are typically better-informed debtors, and platforms that may reveal measurable rating enchancment have a stronger industrial proposition when negotiating referral or white-label preparations with credit score suppliers. TotallyMoney’s six-million-user determine positions it as a reputable information asset inside the Intelligent Lending Group portfolio alongside Binq, CredAbility, Ocean and Luv Cars.
The UK’s monetary inclusion agenda provides a coverage dimension. The FCA has positioned elevated emphasis on client understanding of credit score and the truthful therapy of consumers in monetary problem. Platforms that may present measurable credit-score enchancment amongst thin-file or recovering debtors align with that agenda, even when they sit exterior the FCA’s direct regulatory perimeter as credit score brokers somewhat than lenders. As open finance obligations develop beneath the broader Data and Smart Data Bill framework, credit-health apps may even be positioned to ingest a richer information set, which might deepen the personalisation that drives the engagement numbers cited right here.
AI stage 1 of 5: written by Darlyn Ho; AI helped with tone, construction or wording; edited and signed off by Mark Walker, Editorial Director. What the levels mean
