Cancel Credit Perfect the easy way

Service summary

Credit Perfect is a UK service aimed at people with poor or no credit history. It offers credit score access, credit-improvement tools and connections to loans and credit cards, including options for borrowing up to GBP 25,000 for eligible applicants.

Business model and plans

Credit Perfect operates on a subscription model with a 14-day free trial, then monthly billing. Published monthly prices include Standard Membership at £15, Club level at £24.95 and Extra level at £29.95. Card applications may show a £1.50 pre-authorisation at application time.

Company facts

Web (recommended)

1. Go to https://www.creditperfect.co.uk/.
2. Log into your CreditPerfect account with your email and password.
3. Open Account Settings and find Subscription Details.
4. Select Cancel Subscription and follow on-screen prompts; provide a cancellation reason if asked.
5. Check your inbox for a confirmation email stating the subscription has been cancelled and the final access date (usually the end of the billing cycle).

iOS

Credit Perfect does not publish iOS-specific cancellation steps. If you subscribed using Apple, manage subscriptions in your Apple ID subscriptions screen in Settings. Credit Perfect support has not published an official Apple subscription process.

Android

Credit Perfect does not publish Android-specific cancellation steps. If you used Google Play to subscribe, cancel via Google Play Subscriptions in the Play Store. Credit Perfect has not published an Android subscription guide.

Phone

1. Locate any phone number provided on your account page; Credit Perfect contact phone and hours are not published.
2. Call and ask the agent to cancel your subscription immediately and to confirm the final billing date.
3. Request written confirmation to your account email.

Email

1. Send an email to [email protected] from the email address linked to your account.
2. Subject line: Cancel subscription - request immediate cancellation.
3. Include full name, account email, date of cancellation request and explicit request to stop recurring payments.
4. Save the sent email and await a reply email confirming cancellation and the access end date.

Post (registered letter)

1. Write a cancellation letter including your full name, account email, date of birth and a statement: "I hereby cancel my Credit Perfect subscription and request termination of recurring payments."
2. Send by registered post to: Credit Perfect, 11-12 St. James's Square, SW1Y 4LB London, United Kingdom.
3. Keep the Royal Mail return receipt as proof of delivery.

Moving address or relocation

If you move, Credit Perfect does not publish specific relocation cancellation rules. Use standard cancellation channels (web or email) and include proof of new address only if Credit Perfect requests it. The Consumer Rights Act 2015 requires services to be provided with reasonable care and skill; a move alone is not an automatic contractual termination right unless agreed in your contract.

Price increase

If Credit Perfect increases the subscription price after you subscribed, you can cancel. Document the price increase communication and cancel before the new price takes effect. The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 allow cancellation where the trader changes contract terms to your detriment; include the communication as proof.

Death of the subscriber

For death of the account holder, provide a copy of the death certificate and proof of executor status to [email protected] or by post to the official address. Credit Perfect has not published a specific bereavement policy; legal representatives should request closure and refund where applicable.

Legitimate grounds accepted by Credit Perfect

Credit Perfect does not publish a list of accepted legitimate grounds beyond standard consumer law. Use the following statutory options: cancelling within the 14-day cooling-off period under the Consumer Contracts Regulations 2013, and claims under the Consumer Rights Act 2015 for services not provided with reasonable care and skill.

End of commitment

If you subscribed on a rolling monthly basis after the 14-day trial, cancel via your account at any time; access remains until the end of the billing cycle. For fixed-term offers, Credit Perfect does not publish fixed-term durations publicly; check your account contract for the commitment end date.

Cooling-off period (14 days)

The Consumer Contracts Regulations 2013 give you 14 days to cancel after entering a distance contract and receive a full refund, unless you expressly consented to immediate digital content supply. If you started the service during the cooling-off period at your request, the trader may charge for the proportion of service used. To rely on this right, inform Credit Perfect in writing within 14 days - include the cancellation date and account details. See Citizens Advice guidance and the legislation at legislation.gov.uk.

Before you cancel: negotiate

Credit Perfect does not publish standard retention offers. When contacting support to avoid cancellation, ask explicitly for a reduced monthly rate, a pause for one or two billing cycles or a downgrade from Club (£24.95) to Standard (£15). State the exact price you are willing to pay and the desired length of the reduced rate. If you have evidence of unwanted charges, request a refund or a one-off credit.

What cancelling saves you

Compute yearly savings from published plans:

Standard Membership: £15 x 12 = £180 per year.

Club level: £24.95 x 12 = £299.40 per year.

Extra level: £29.95 x 12 = £359.40 per year.

If you cancel a Club membership at £24.95 you save £24.95 each month and £299.40 per year. The cheapest real alternative from competitors in our data is Creditspring at £26 per month, which equals £312 per year. Comparison: Standard Membership at £15 costs £180 per year versus Creditspring at £312 per year; Standard saves £132 per year compared to Creditspring.

Key UK consumer law

Your cancellation and refund rights are protected by the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 and the Consumer Rights Act 2015. For guidance, see Citizens Advice and the legislation at legislation.gov.uk.

Cooling-off and refunds

You have a 14-day cooling-off period for distance contracts under the Consumer Contracts Regulations 2013. If you cancel within 14 days you are normally entitled to a full refund. If you asked for the service to start during the cooling-off period, the trader may charge for the part of the service provided during that period.

Auto-renewal and hard-to-cancel subscriptions

The Competition and Markets Authority treats hard-to-cancel subscriptions and unclear auto-renewal as potentially unfair. If you experience obstacles to cancellation or unclear renewal terms, record your attempts to cancel and escalate to Citizens Advice or the Financial Ombudsman if the dispute concerns financial services.

Escalation steps

1) Complain to Credit Perfect in writing and keep copies. 2) If unresolved for consumer law issues, contact Citizens Advice for next steps. 3) For payment disputes on a credit or debit card, consider chargeback via your card issuer or a Section 75 claim if the purchase meets Section 75 criteria. 4) For regulated financial complaints, consider the Financial Ombudsman Service.

Check final access and billing

After cancellation you should receive a confirmation email stating your access end date. Credit Perfect typically allows access until the end of the billing cycle. Verify your bank or card statements to ensure no further recurring charges occur.

Data and reactivation

Request confirmation of how long Credit Perfect retains your data by emailing [email protected]. If you later decide to re-join, you will need to sign up again and you may be offered the current plan price at that time.

When to seek refunds

If you cancelled within 14 days and were charged, request a refund citing the Consumer Contracts Regulations 2013. If the company supplied the service during the cooling-off period at your request, ask for a refund minus the cost of the used service. For unauthorised charges such as unexpected monthly fees of £19.99, £20 or £24.95, document the charge date and amount and escalate to your card issuer for chargeback if Credit Perfect does not resolve the issue.

Use this checklist to complete cancellation and protect your money.

• Log in and cancel in Account Settings; save the cancellation confirmation email.
• If no confirmation email arrives, send an email to [email protected] and save your sent message.
• If you paid by card and the company refuses a refund, contact your card issuer and request chargeback; check Section 75 eligibility if payment was made by credit card.
• Keep evidence of any pre-authorisation charges such as £1.50 when applying.
• Monitor statements for unauthorised charges of £19.99, £20.00 or £24.95 and report them promptly.
• If needed, send a registered letter to Credit Perfect at the official address to create postal proof of cancellation.