The platform provides users with live access to their TransUnion credit score and report, alongside automated alerts when the score changes and personalised guidance on improving their credit standing. It also acts as a lead-generation channel for credit cards, loans and other retail financial products, a model common among UK credit-comparison and credit-health platforms.

TotallyMoney’s internal analysis of more than 7,000 customers who joined in September 2025 and were tracked through to July 2026 found that 45% of those who started with a “low” TransUnion score (below 556) improved their score within six months. Among the lowest-scoring segment, customers who entered with a score below 400, the proportion who improved was 86%.

Frequency of use correlated strongly with outcome. Customers who checked their report every month achieved a score increase 2.3 times, or 133%, larger on average than those who engaged less regularly. The company attributes this to habitual monitoring prompting behaviour changes: paying down balances, correcting errors on a report, or simply avoiding missed payments. The analysis is self-reported and conducted by TotallyMoney’s own data team rather than an independent third party, a caveat worth noting.

Chief executive Nik Charalampous described the milestone as the result of people taking active control of their financial situations, and pointed to the breadth of circumstances driving sign-ups, ranging from thin-file consumers without an established UK credit record to those rebuilding after financial difficulty or preparing for a major credit commitment such as a mortgage.

The UK credit-health market has matured considerably since TotallyMoney launched its free credit report service in 2017.

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