14-day free trial
£0
/ mois
14-day access to the service before the monthly fee applies; card details required to start trial.
14-day access to the service before the monthly fee applies; card details required to start trial.
Billoff unlimited subscription: £0.79 promo for 48h, then £43.12 per month with no commitment
Cancel CreditPerfect the easy way
We generate and send your cancellation letter to CreditPerfect by registered mail
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Preview of your letter
PreviewSender
Recipient
CreditPerfect
340 Deansgate
M3 4LY Manchester United Kingdom
Digital registered letter with receipt of acceptance
Subject : Cancellation of CreditPerfect agreement
Dear Sir or Madam,
This letter constitutes formal notice that I wish to terminate the agreement relating to the CreditPerfect 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 CreditPerfect 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
- Tracked deliveryRegistered electronic mail
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CreditPerfect
Step-by-step guide to cancel CreditPerfect, your rights, refunds and alternatives. Trustpilot rating 1.8/5; clear steps to stop £19.99/month.
https://www.creditperfect.co.uk
Manchester, United Kingdom
Professional Services
Cancellation at a glance
| fastest method (name it + why) | Online - immediate cancellation via the link on the contact page because the website provides an immediate cancel link |
|---|---|
| effective delay | Immediate |
| notice period | 0 days |
| cancellation fee (amount or 0) | £0 |
| minimum commitment | No minimum commitment - monthly subscription applies after the trial |
| phone + hours | Not published by CreditPerfect |
| postal address for registered letter | CreditPerfect, 340 Deansgate, M3 4LY Manchester, United Kingdom |
What is CreditPerfect
Service overview
CreditPerfect is a subscription service that offers credit report and score management, access to credit experts, personalised action plans and continuous monitoring. The consumer-facing plan charges a monthly fee of £19.99 after a 14-day free trial.
Who uses it
The platform targets individuals with poor or no credit looking to improve credit scores to access loans or credit cards. The service promises ongoing monitoring, fraud prevention and guidance from credit specialists.
Company facts
| Legal name | Credit Perfect |
|---|---|
| Parent | Quint Group |
| Headquarters | Macclesfield, United Kingdom |
| Founded | 2016 |
| CEO | Greg Cox |
| Employees | ~23 |
| Support email | [email protected] |
How to cancel CreditPerfect
| method | steps summary | estimated time | proof obtained | difficulty (Easy/Medium/Hard) |
|---|---|---|---|---|
| Web | Use the cancellation link on the contact page to cancel immediately | Immediate | Email confirmation or on-screen confirmation if provided | Easy |
| Email [email protected] with account details and cancellation request | 1-7 days response time | Email reply from support | Medium | |
| By bank | Raise a stop or dispute with your bank for the recurring payment | 7-30 days processing with bank | Bank letter or reversal confirmation | Hard |
| Post (registered letter) | Send a signed cancellation letter to 340 Deansgate, M3 4LY Manchester | 5-14 days delivery + processing | Signed delivery receipt | Medium |
| Phone | Phone number not publicly published; contact via website if phone offered | Not published by CreditPerfect | Call log or confirmation email if given | Medium |
Web cancellation (recommended)
- Open the CreditPerfect contact page: Contact CreditPerfect.
- Locate the cancellation link or account area that allows immediate cancellation.
- Follow the on-screen steps until you receive an on-screen or email confirmation.
- Keep a screenshot of the final confirmation and any confirmation email. If no email arrives, take a dated screenshot.
Email cancellation
- Compose an email to [email protected] with the subject line "Cancel subscription" and include your full name, account email, and date of cancellation request.
- Request written confirmation of cancellation and a refund if inside the 14-day cooling-off period.
- Save the sent email and any reply as proof.
Cancel via your bank
- Check your statement for the recurring payment description.
- Contact your bank and explain you want to stop recurring payments to CreditPerfect. Provide date of last payment and amount (£19.99).
- If the bank cannot stop the payment because it is not a regular direct debit, open a dispute or request a chargeback for a qualifying card payment.
- Keep bank correspondence as proof.
Postal cancellation
- Write a signed letter including your name, account email, date of birth, last four of the payment card, and clear instruction: "Please cancel my CreditPerfect subscription and confirm cancellation in writing."
- Send as a registered letter to: CreditPerfect, 340 Deansgate, M3 4LY Manchester, United Kingdom.
- Keep the registered delivery receipt and a copy of the letter.
Phone cancellation
- If a phone route appears on the website, call during published hours and ask for cancellation confirmation email immediately.
- Ask for the agent's name and time of cancellation and record the call if local law allows.
- Save the confirmation email or call log.
Cancel by reason
Cooling-off period - 14 days
If you signed up online, you have a 14-day cooling-off period under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. The 14-day period starts the day after you enter the contract. To use this right, notify CreditPerfect within 14 days and request a refund for payments already taken. If you asked CreditPerfect to provide services during the trial and paid for those services, the company can retain funds proportionate to services performed up to cancellation. Source: Consumer Contracts Regulations 2013.
Price increase
If CreditPerfect raises the subscription fee during an active contract and you do not accept the increase, you can terminate under contract variation rules. Provide a copy of the price change notification and your account details as proof. Relevant law: Consumer Rights Act 2015 for unfair terms and the Consumer Contracts Regulations for cancellation rights.
Moving or change of circumstances
Moving home or a change of personal circumstances is not an automatic legal ground for immediate termination beyond your standard cancellation rights, except where the service cannot be provided. Provide proof such as a new tenancy agreement or utility bill. Applicable law: Consumer Rights Act 2015 on performance of services with reasonable care and skill.
Death of subscriber
If the subscriber dies, the executor or family can cancel by emailing [email protected] and supplying a copy of the death certificate and proof of authority. The company must stop further billing once cancellation is processed. Keep all correspondence as proof.
Legitimate grounds or poor performance
Under the Consumer Rights Act 2015, services must be provided with reasonable care and skill. If CreditPerfect has failed to provide the service as described - for example continuing to charge after confirmed cancellation - document the issue, collect screenshots or emails, and demand remedy or refund. If the company refuses, escalate to Citizens Advice or the Financial Ombudsman Service where appropriate.
Negotiate or save
Before you cancel: negotiate
There are no documented, verified retention offers reported in the public sources for CreditPerfect. If you wish to ask for a retention offer, email [email protected], state your reason for leaving, and request a discount or pause. Sample request: "I want to cancel my subscription due to cost. Do you offer a discount or a paused account for three months? Please confirm any offer in writing." Save any written offer.
What cancelling saves you - exact math
CreditPerfect costs £19.99 per month after the 14-day free trial. Yearly cost: £19.99 x 12 = £239.88 per year.
Cheapest real alternative from the competitors listed in verified research: Capitalise at £19.95 per month or £239.40 per year. Math: £19.95 x 12 = £239.40 per year. Savings by switching to Capitalise: £239.88 - £239.40 = £0.48 per year.
Free alternative: ClearScore provides free credit monitoring and score access at £0 per month. Choosing ClearScore saves £239.88 per year compared to CreditPerfect. Math: £19.99 x 12 = £239.88; £239.88 - £0 = £239.88 saved per year.
Legal protections and escalation
Key laws and rights
In the United Kingdom the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 give consumers a 14-day cooling-off period for most contracts concluded online or off-premises. The Consumer Rights Act 2015 requires services to be provided with reasonable care and skill and protects against unfair contract terms. The Competition and Markets Authority highlights that hard-to-cancel subscriptions and unclear auto-renewal terms can be unfair practices.
How to escalate if CreditPerfect does not comply
1) Complain to CreditPerfect first and keep written evidence of your complaint. 2) If unresolved, get guidance from Citizens Advice: Cancelling a service. 3) Depending on the product, escalate to the Financial Ombudsman Service for financial services issues. 4) For card payments, consider Section 75 or a chargeback claim via your card issuer. Relevant statutory sources: Consumer Contracts Regulations 2013.
What to do after cancelling CreditPerfect
Check final billing and refund
Confirm you receive written confirmation of cancellation. If you cancelled within the 14-day cooling-off period, request a refund and expect reimbursement within 14 days of cancellation under the Consumer Contracts Regulations. If CreditPerfect claims it provided services and retains part of the fee, request an itemised breakdown.
Data access and account re-activation
Ask CreditPerfect for a copy of your stored personal data and how long they will retain it. If you later want to re-join, note that re-activation will start a new contract and the 14-day cooling-off period will apply again from the new start date.
What to do if charges continue
If payments continue after confirmation of cancellation, contact your bank and request a stop or a chargeback. Also lodge a formal complaint with CreditPerfect and escalate to Citizens Advice if unresolved.
Next steps and practical checklist
Follow this checklist to cancel with evidence and protect your rights.
- Step 1 - Cancel online via CreditPerfect contact page and save the confirmation.
- Step 2 - If no online route, email [email protected] with a signed cancellation request and request a written confirmation.
- Step 3 - If you paid by card and cancellation fails, contact your bank to request a chargeback or stop the payment. Note recurring amount: £19.99 per month.
- Step 4 - If applicable, send a registered letter to CreditPerfect, 340 Deansgate, M3 4LY Manchester, United Kingdom, and keep the delivery receipt.
- Step 5 - If cancelling within 14 days, demand a refund and reference the Consumer Contracts Regulations 2013.
- Step 6 - Keep a folder of all emails, screenshots and bank statements showing charges or reversals.
Plans
Standard Subscription
£19.99
/ mois
Credit report and score management, access to credit experts, personalised action plan, 24/7 monitoring, fraud prevention, guides and tools.
Credit report and score management
access to credit experts
personalised action plan
24/7 monitoring
No commitment. Billoff helps you cancel or adjust your CreditPerfect subscription without hunting down every detail alone.
Pros & cons
Pros
Offers a 14-day free trial before the monthly fee of £19.99 starts.
Provides credit monitoring, personalised action plans and access to credit experts.
Continuous monitoring and fraud alerts included in the standard subscription.
Cons
Trustpilot rating of 1.8/5 with complaints about unexpected £19.99 charges and difficulty obtaining refunds.
Multiple customer reports of continued charges after cancellation requiring bank intervention.
Support phone number and hours not publicly published, making direct phone cancellation difficult.
Competitors & alternatives
Below are common alternatives people compare for this type of subscription.
Capitalise
£19.95
/ mois
Capitalise provides business credit services and Experian data for business customers, with flexible monthly contracts.
Experian Business Express
/ mois
Focuses on business credit checks with pay-per-check or annual plans tailored to business customers.
ClearScore
£0
/ mois
Free consumer credit score access and basic monitoring targeted at consumers.
Countries where CreditPerfect is available
CreditPerfect is available in many countries. Here are several frequently cited markets:
United Kingdom
Subscription & cancellation
What you should know about CreditPerfect 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 CreditPerfect subscription, whichever payment method you use.
Manage your CreditPerfect subscription
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