Cancel UKCreditRatings the easy way

Service overview

UKCreditRatings is a subscription credit monitoring and reporting service operated by RSDataTech, Ltd. It provides TransUnion credit reports and scores, fraud alerts, score alerts, report alerts, and dark web monitoring to UK consumers.

Main features

Plans include access to a Financial Monitoring Service, TransUnion credit report and score, text and email alerts for fraud, score and report changes, and dark web monitoring.

Company facts

Web (website / webchat)

1. Go to https://www.ukcreditratings.com/.
2. Start the website webchat and state you want to cancel your membership; provide your full name, registered email and last 4 digits of the card used.
3. Save a transcript or take screenshots as proof of the cancellation request.

iOS

1. If you subscribed through Apple, open Settings on your iPhone, tap your name, then Subscriptions and cancel UKCreditRatings from the list.
2. Keep the App Store cancellation confirmation email as proof.
3. If you need help, email [email protected] referencing your Apple transaction ID.

Android

1. If you subscribed through Google Play, open the Play Store, tap your profile, then Payments and subscriptions, then Subscriptions, and cancel UKCreditRatings.
2. Keep the Google Play cancellation confirmation email as proof.
3. Contact [email protected] if billing queries remain.

Phone

1. Call 0161 250 7700 and ask to cancel your membership immediately; provide account name, email and payment details for verification.
2. Request a cancellation reference number or confirmation email.
3. Record the date and time of the call and the agent’s name.

Email

1. Send a clear cancellation request to [email protected] including your full name, registered email, date of birth and last 4 digits of the payment card.
2. Keep the sent email and any reply as proof.
3. If no reply within 7 days, follow up or use registered post.

Post (registered letter)

1. Send a signed letter to Terminations, RS Data Tech, Ltd., Piccadilly House, Suite 606, 49 Piccadilly, Manchester M1 2AP. Include full account details and a clear statement: "Please cancel my UKCreditRatings membership."
2. Send by tracked or registered post and keep the receipt.
3. Allow standard UK postal delivery time plus handling by the company.

Moving or change of circumstances

If you move and no longer need the service, submit a cancellation request by phone, webchat, email or post with proof of identity. UKCreditRatings does not publish a specific process or different rule for moves; use the standard cancellation channels listed above.

Applicable law: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 for distance contracts.

Price increase

If UKCreditRatings raises the subscription price, you may cancel if the change is a variation to the contract. Provide the date of the price increase and your cancellation request by phone, webchat, email or post.

Applicable law: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

Death of subscriber

To cancel on behalf of a deceased subscriber, contact [email protected] or write to Terminations with a copy of the death certificate and proof of your authority to act for the estate.

Applicable law: Not separately specified by UKCreditRatings; supply of documents will be required.

Legitimate ground - fraud or service failure

UKCreditRatings accepts refunds or remedial action in cases of fraud or partial or total non-performance or inadequate performance (site failure or service failure), according to their published refund policy. Provide evidence such as bank statements showing unauthorised transactions or clear proof of service non-delivery.

Applicable law: Consumer Rights Act 2015 (services must be performed with reasonable care and skill).

End of commitment

If you subscribed to a monthly plan after the 14-day free trial, cancel using one of the methods above to stop further monthly charges. UKCreditRatings does not publish a minimum term for membership.

Applicable law: Contract terms and the Consumer Contracts Regulations 2013.

Cooling-off period (14-day trial)

UKCreditRatings offers a 14-day free trial. If you cancel within the trial period, no Membership Fees will have been or will be payable, per the company. If you start using the service with express consent and download or validate content, the digital content exception may apply.

Applicable law: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

Before cancelling: negotiate

Reported retention offers: research does not show specific retention discounts or offers that UKCreditRatings regularly makes. To request a retention offer, call 0161 250 7700 or use the webchat and explicitly ask if a reduced monthly rate or pausing the service is available. Keep records of any offer and confirmation email.

What cancelling saves you - yearly maths

UKCreditRatings Club level costs £24.95 per month. Annual cost: 24.95 x 12 = £299.40 per year.

Extra level costs £29.95 per month. Annual cost: 29.95 x 12 = £359.40 per year.

Cheapest competitor from research: Firmwatch at £19 per month. Annual cost: 19 x 12 = £228.00 per year.

Saving by switching from Club to Firmwatch: £299.40 - £228.00 = £71.40 per year.

Saving by switching from Extra to Firmwatch: £359.40 - £228.00 = £131.40 per year.

Key UK consumer law

The relevant laws are the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 and the Consumer Rights Act 2015. The Competition and Markets Authority (CMA) enforces rules on unfair contract terms and hard-to-cancel subscriptions.

Cooling-off and refunds

The Consumer Contracts Regulations 2013 provide a 14-day cooling-off period for distance contracts. UKCreditRatings states a 14-day free trial; cancelling during the trial means no Membership Fees will be payable. For faulty or inadequate service, the Consumer Rights Act 2015 requires services to be performed with reasonable care and skill.

Escalation steps

1. Complain to UKCreditRatings via phone, webchat, email at [email protected] or by post to Terminations, RS Data Tech, Ltd., Piccadilly House, Suite 606, 49 Piccadilly, Manchester M1 2AP. 2. If unresolved consult Citizens Advice for next steps. 3. For disputes about financial services, consider the Financial Ombudsman Service. 4. For qualifying card payments, use Section 75 of the Consumer Credit Act or ask the card provider for a chargeback.

Reference: Consumer Contracts Regulations 2013.

Keep proof of cancellation

Keep any cancellation confirmation email, webchat transcript, call reference, or registered post receipt. These documents are evidence in case of continued charges.

Check final billing and bank statements

UKCreditRatings states that membership fees may appear with varying descriptions such as UKCrdtRatng.com or UKCreditRatings.com. Check your bank statement and ensure no further CPA or Direct Debit payments are taken after cancellation.

Data and re-activation

If you want a copy of your account data or transaction history, email [email protected] with your request. If you later re-subscribe, you will be charged the then-current plan price.

Use this checklist to cancel UKCreditRatings and protect yourself from unexpected charges.

• Call 0161 250 7700 and request cancellation; note date, time and agent name.
• Use the website webchat at https://www.ukcreditratings.com/ to request cancellation and save the transcript.
• Email [email protected] with a signed cancellation request and keep the sent email.
• Send a registered letter to Terminations, RS Data Tech, Ltd., Piccadilly House, Suite 606, 49 Piccadilly, Manchester M1 2AP if you want a postal record.
• Check bank statements for the next two billing cycles for unexpected charges; if charged after cancellation, request refund citing the cancellation reference.
• If no response within 14 days, escalate to Citizens Advice or consider Section 75/chargeback with your card issuer for qualifying payments.