Free Trial
£0
/ mois
14-day access to features. Automatically converts to monthly subscription unless cancelled.
14-day access to features. Automatically converts to monthly subscription unless cancelled.
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Cancel Credit Engine the easy way
We generate and send your cancellation letter to Credit Engine by registered mail
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Preview of your letter
PreviewSender
Recipient
Credit Engine
123 Example Street
EC1A 1AA London United Kingdom
Digital registered letter with receipt of acceptance
Subject : Cancellation of Credit Engine agreement
Dear Sir or Madam,
This letter constitutes formal notice that I wish to terminate the agreement relating to the Credit Engine service.
This notice expresses a firm, clear, and unequivocal intention to cancel the agreement, effective at the earliest permissible date or in accordance with any applicable contractual notice period.
Please take all appropriate measures to:
– cease any billing from the effective cancellation date;
– confirm in writing that this request has been processed;
– and, where applicable, provide a final statement or confirmation of balance.
This cancellation is sent by certified electronic mail. Sending, timestamping, and content integrity are recorded, producing reliable electronic evidence. You therefore have everything needed to process this cancellation in line with rules on written notice and contractual freedom.
Under applicable personal data protection rules, I also request that you:
– delete any data not required for legal or accounting obligations;
– close any associated personal account;
– and confirm effective erasure where privacy rules apply.I retain a full copy of this notice along with proof of mailing.
Sincerely,
This letter constitutes formal notice that I wish to terminate the agreement relating to the Credit Engine service.
This notice expresses a firm, clear, and unequivocal intention to cancel the agreement, effective at the earliest permissible date or in accordance with any applicable contractual notice period.
Please take all appropriate measures to:
– cease any billing from the effective cancellation date;
– confirm in writing that this request has been processed;
– and, where applicable, provide a final statement or confirmation of balance.
This cancellation is sent by certified electronic mail. Sending, timestamping, and content integrity are recorded, producing reliable electronic evidence. You therefore have everything needed to process this cancellation in line with rules on written notice and contractual freedom.
Under applicable personal data protection rules, I also request that you:
– delete any data not required for legal or accounting obligations;
– close any associated personal account;
– and confirm effective erasure where privacy rules apply.I retain a full copy of this notice along with proof of mailing.
Sincerely,
Signature
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Credit Engine
Complete 2026 guide to cancel Credit Engine, refunds, and alternatives. Trusted rating 4.1/5 on Trustpilot. Step-by-step cancellation & rights in the UK.
https://www.creditengine.co.uk
London, United Kingdom
Credit Loans
Cancellation at a glance
| fastest method (name it + why) | Web - cancel directly through the Credit Engine platform because customers can cancel their subscription directly through the platform. |
|---|---|
| effective delay | Immediate cancellation on the platform; refunds when due are reimbursed within 14 days after cancellation notification or return where applicable. |
| notice period | 0 days - users can cancel at any time (no minimum notice published by Credit Engine). |
| cancellation fee (amount or 0) | £0 |
| minimum commitment | No minimum commitment - monthly rolling subscription after 14-day free trial. |
| phone + hours | No public phone number - Not published by Credit Engine. |
| postal address for registered letter | Credit Engine, 123 Example Street, EC1A 1AA London, United Kingdom |
What is Credit Engine
Core offering
Credit Engine is an online credit report, monitoring and eligibility-check platform offering a 14-day free trial and a monthly subscription that gives access to credit reports, monitoring and personalised guidance.
Who runs it
The company is Credit Engine, Inc., part of the PayPay group with headquarters in Tokyo, Japan. The founder and CEO is Seiichiro Uchiyama.
How consumers use it
Consumers sign up for a 14-day free trial and can view credit reports and eligibility checks. After the trial the service automatically converts to a monthly subscription charged at £19.99 per month unless cancelled.
| Headquarters | Tokyo, Japan |
|---|---|
| Founded | 2016 |
| CEO | Seiichiro Uchiyama |
| Employees | ~35 |
| Parent company | PayPay |
| Support email | [email protected] |
| Annual revenue | $1M |
| Stock ticker | Private |
How to cancel Credit Engine
| method | steps summary | estimated time | proof obtained | difficulty |
|---|---|---|---|---|
| Web (account portal) | Log in to your account on Credit Engine website and use the subscription or account settings to cancel the subscription. | Immediate | Cancellation confirmation email or on-screen confirmation - screenshot recommended | Easy |
| iOS (App Store) | Credit Engine has not published specific App Store cancellation instructions; if billed through Apple, manage subscriptions in Apple ID settings. | Varies - depends on Apple processing | Apple subscription cancellation confirmation | Medium |
| Android (Google Play) | Credit Engine has not published specific Google Play instructions; if billed through Google Play, cancel via Google Play subscriptions. | Varies - depends on Google Play processing | Google Play cancellation confirmation | Medium |
| Phone | No public phone number published; customers report inability to reach an operator. | Not applicable | Not applicable | Hard |
| Send an email to the support address or use the contact form to request cancellation and a refund if within statutory rights. | Response usually within days; refund processing within 14 days if applicable | Copy of sent email and support reply | Easy | |
| Post (registered letter) | Send a signed registered letter to the official postal address stating your cancellation request and account details. | Delivery days plus processing time | Proof of postage and delivery receipt | Medium |
Web - cancel step-by-step
- Go to https://www.creditengine.co.uk/ and log in to your account.
- Open Account or Subscription settings and select Cancel subscription or Manage plan.
- Follow on-screen confirmation steps and keep a screenshot of the final confirmation page.
- Check your email for a cancellation confirmation. Save that email as proof.
Email - cancel step-by-step
- Compose an email to [email protected] stating your full name, email used to sign up, date of subscription and the sentence: "Please cancel my subscription immediately and confirm by return email."
- Attach a screenshot of your account page showing your subscription if available.
- Send and keep the sent message in your mailbox. If no reply in 7 days, escalate to a registered letter.
Post - cancel step-by-step
- Write a signed letter including your full name, email, subscription start date and request: "Please cancel my Credit Engine subscription and refund any amounts due under the Consumer Contracts Regulations 2013."
- Send by recorded delivery to Credit Engine, 123 Example Street, EC1A 1AA London, United Kingdom.
- Keep the proof of postage and the delivery receipt; allow 14 days for reimbursement if a refund is due.
iOS and Android - guidance
- If your payment is processed by Apple or Google Play, cancel inside your Apple ID or Google Play subscriptions area; Credit Engine has not published app-specific steps.
- Keep the store cancellation confirmation and then contact Credit Engine if you need a refund for amounts charged after cancellation.
Phone - what to do
- Credit Engine has no public customer service phone number published. Use email or the web portal for cancellation.
- If you cannot get a reply by email, send a recorded delivery letter to the postal address above and consider contacting your card issuer for chargeback or Section 75 where eligible.
Cancel by reason
Cooling-off period - 14-day right to cancel
If you signed up online you have a 14-day cooling-off period under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. To get a full refund you must notify Credit Engine of your decision to cancel within 14 days from when the contract was concluded. If you expressly requested the service to start during the 14-day period, the trader may keep an amount corresponding to the service provided up to cancellation. The applicable law is the Consumer Contracts Regulations 2013. See the Regulations.
Price increase
If Credit Engine increases the subscription price during an ongoing contract, the company must follow contract terms. Contractual unilateral price increases that are unclear or hard to accept may be subject to unfair terms rules under the Consumer Rights Act 2015. Provide the new contract page or billing showing the increase as proof.
Moving / change of circumstances
Moving country is not an automatic legal ground to cancel under the Consumer Contracts Regulations 2013. Submit proof documents such as a new tenancy agreement or utility bill showing your new address and request cancellation. Credit Engine has not published a formal policy for moving.
Death of the subscriber
For death of the account holder provide a copy of the death certificate and proof of your authority (executor or administrator). Credit Engine has not published specific procedures for bereavement cases; supply documentation and contact support by email.
Legitimate ground (service not provided or unauthorised payments)
If the service was not delivered or there are unauthorised charges, collect evidence: account screenshots, bank statement showing the charge and any correspondence. The Consumer Rights Act 2015 requires services to be performed with reasonable care and skill. For unauthorised charges, contact your card issuer for chargeback and consider Section 75 for credit card payments.
End of commitment
If you are on a monthly rolling plan after the free trial you can cancel at any time. Provide a signed cancellation request or the web confirmation as proof of termination. Keep the cancellation confirmation email to avoid further billing.
Negotiate or save
Before you cancel - negotiating with Credit Engine
There are no public reports in research of specific retention offers published by Credit Engine. Customers have reported issues with refunds and contacting customer service. To ask for a retention offer or refund, email [email protected] with your account details and request either a refund (if within 14 days) or a goodwill credit. Use the contact form at Credit Engine contact page to create a written record.
How much you save by cancelling
Credit Engine monthly subscription: £19.99 per month. Calculation: 19.99 x 12 = £239.88 per year.
Cheapest real alternative in our research: Creditspring at £10 per month. Calculation: 10 x 12 = £120.00 per year.
Annual saving by switching from Credit Engine monthly to Creditspring membership: 239.88 - 120.00 = £119.88 per year.
Examples of concrete prices used: Free Trial £0, Credit Engine monthly £19.99, Credit Engine annual equivalent £239.88, Creditspring monthly £10, Creditspring annual £120.00.
Legal protections and escalation
Consumer law that applies
In the United Kingdom the key protections are the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 and the Consumer Rights Act 2015. Credit Engine operates under the regulatory framework of the Financial Conduct Authority for credit-related services and the Consumer Credit Act 1974 applies where relevant.
Cooling-off and refunds
The Consumer Contracts Regulations 2013 give a 14-day right to cancel distance contracts concluded online and require the trader to reimburse payments within 14 days of being informed of the cancellation. If you asked the trader to start the service during the cooling-off period, the trader may keep an amount for the service provided up to cancellation. See the official Regulations at legislation.gov.uk.
Unfair terms and difficult cancellations
The Competition and Markets Authority flags hard-to-cancel subscriptions and unclear auto-renewal terms as potential unfair practices. The Consumer Rights Act 2015 covers performance of services with reasonable care and skill and prohibits unfair contract terms.
How to escalate
1) Complain to the trader in writing and keep records. 2) If unresolved contact Citizens Advice for next steps and template letters - see Citizens Advice guidance. 3) For regulated financial disputes consider the Financial Ombudsman Service. 4) For card payments consider a chargeback via your card issuer or Section 75 protection for credit card payments where applicable.
What to do after cancelling Credit Engine
Check billing and refunds
After cancellation confirm you have a cancellation confirmation email or on-screen confirmation. If you are due a refund under the 14-day cooling-off period, the trader must reimburse you within 14 days of the cancellation notification.
Access to data and re-activation
Check whether your account remains accessible after cancellation. If you want to retrieve data, download or screenshot any reports before final termination. To re-activate, sign in and choose a subscription plan again; the company offers a 14-day trial for new sign-ups only.
Contact and evidence retention
Keep copies of all correspondence, bank statements showing payments, cancellation confirmations and proof of postage. These documents are necessary if you escalate the complaint or request a chargeback.
Next steps and practical checklist
Use this checklist to cancel and protect your rights.
- Step 1 - Log in to your account at Credit Engine and cancel in Account or Subscription settings. Save screenshots.
- Step 2 - If you cannot cancel online, email [email protected] with a clear cancellation request. Keep sent email copy.
- Step 3 - If you are within 14 days of purchase, request a refund under the Consumer Contracts Regulations 2013. Keep the trader reply.
- Step 4 - If you receive unauthorised charges, contact your card issuer for chargeback and consider Section 75 if paid by credit card.
- Step 5 - If no reply, send a recorded delivery letter to Credit Engine, 123 Example Street, EC1A 1AA London, United Kingdom.
- Step 6 - If unresolved, contact Citizens Advice and consider the Financial Ombudsman Service for financial complaints.
Plans
Monthly Subscription
£19.99
/ mois
Manage Credit Report & Score (TransUnion and Equifax), Personalized Action Plan, Credit Experts, See what lenders see, Dark Web monitoring, 24/7 monitoring and alerts.
Manage Credit Report & Score (TransUnion and Equifax)
Personalized Action Plan
Credit Experts
See what lenders see
Eligibility Checks
£0
/ mois
Compare personalised rates and offers from lenders; check eligibility before applying without impacting credit score. No account required.
Compare personalised rates and offers from lenders; check eligibility before applying without impacting credit score. No account required.
No commitment. Billoff helps you cancel or adjust your Credit Engine subscription without hunting down every detail alone.
Pros & cons
Pros
Users can cancel directly through the Credit Engine platform.
14-day free trial gives access without upfront monthly charge for the trial period.
Customers receive credit reports and monitoring plus personalised action plans.
Cons
Reported difficulties obtaining refunds and contacting customer service.
Complaints about unexpected charges and automatic sign-ups leading to monthly fees.
No public customer service phone number published; some customers reported lack of telephone support.
Competitors & alternatives
Below are common alternatives people compare for this type of subscription.
Creditspring
£10
/ mois
Creditspring offers membership with access to interest-free advances rather than a credit report subscription.
Cashfloat
Not published
/ mois
Specialises in payday loans with quick decisions and same-day funding options.
Zable
Not published
/ mois
Offers larger personal loans with flexible repayment options and no fees for early repayment.
Countries where Credit Engine is available
Credit Engine is available in many countries. Here are several frequently cited markets:
United Kingdom
Subscription & cancellation
What you should know about Credit Engine subscription and cancellation terms:
Subscription type
Automatic monthly or yearly renewal. Billing is handled by the primary account or the signup platform.
Renewal
Renewal runs automatically at the end of each billing period while the subscription stays active.
Cancellation
Cancel from account settings or the app store used at signup. Access usually continues until the paid period ends.
Refunds
Refunds depend on billing date, country, and payment channel.
Family plan
The family plan admin can add or remove members per the service’s household and age rules.
Commitment
Plan changes and cancellations follow the provider’s terms and local law.
Billoff simplifies cancellation: we handle the cancellation process for your Credit Engine subscription, whichever payment method you use.
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