Bank statement charge
What is UKCRDTRATNG.COM or UKCreditRatings on my bank statement?
Who charged you
UKCreditRatings credit report subscription by RS Data Tech Ltd
UKCRDTRATNG.COM is UKCreditRatings, a UK credit report and score subscription run by RS Data Tech Ltd. The charge is usually its monthly membership fee, £24.95 on its own site, which starts when the 14-day trial ends unless it was cancelled in time.
How it can show on a statement
UKCRDTRATNG.COMUKCREDITRATINGSUKCREDITRATINGS.COM
Find out what it was
- 1
Search your inbox and spam folder for UKCreditRatings: after sign-up it sends an email that sums up the subscription cost and the date the trial ends.
- 2
Count back 14 days from the first full charge to find the sign-up date, then think about what you applied for or compared around then.
- 3
Look about two weeks before the first full charge for a small amount, such as £1.50: the terms allow a pre-authorisation at sign-up, so it can mark the day of the sign-up.
- 4
Compare the dates with earlier months: the fee is taken on the same day each month, so a regular date points to an ongoing membership.
- 5
Ask anyone who shares your card whether they checked a credit score or applied for credit around that time.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to UKCreditRatings, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “UKCRDTRATNG.COM”?
UKCreditRatings is the brand of RS Data Tech Ltd, a company registered in England with its business address in Manchester and a parent company in California, RateSpecial Interactive. Its terms say that, depending on your bank, the statement shows its name as an abbreviation: UKCreditRatings or UKCrdtRatng.com. The short form drops most of the vowels, so it rarely looks like a credit report service.
The service starts with a 14-day trial, and a payment card is taken at sign-up. The terms allow a pre-authorisation of £1.50, or of one month's fee, when you apply. If the trial is not cancelled in time, the membership fee is collected under a continuous payment authority on that card (or by Direct Debit), on the day the trial ends and on the same day each month after that.
Why you might see this charge
- The monthly membership fee, £24.95 on UKCreditRatings' own site (£29.95 for its Extra level), that started when the 14-day trial ended.
- A trial taken to see a credit score once, for example before a loan, car finance, mortgage or rental application, that was never cancelled.
- A small charge at sign-up: the terms allow a pre-authorisation of £1.50, or of one month's fee, when you apply.
- A sign-up that began on another website or advert; the trial length and price are the ones shown on the page you signed up through.
- A charge in the days after you asked to cancel: the terms say a cancellation after the trial takes effect within one week of the request.
- Someone else in the household who checked a credit score with your card.
Is UKCRDTRATNG.COM legit?
Yes. UKCreditRatings is a real UK credit report subscription run by RS Data Tech Ltd. It is not a credit reference agency itself: its terms say it requests your report and score from one or more of TransUnion, Equifax and Experian. A UKCRDTRATNG.COM or UKCreditRatings line is normally its own membership billing.
The usual problem is not a fake charge but a trial that turned into a monthly fee without the person noticing, often after a sign-up through an advert or another website. Emails or texts that use a credit score as bait and ask for card details through a link are something else; check any charge against your own inbox and card statements, never through a link in a message.
Other charges people look up
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|---|---|---|
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| PROTONMAIL | Proton AG | PROTONMAIL and PROTONVPN are the card names of Proton AG, the Swiss company behind Proton Mail, Proton VPN, Proton… |
| GET-THOSE-DISCOUNTS | Get Those Discounts | GET-THOSE-DISCOUNTS is the name of a website that sells memberships to USA Discount Club, a deals app, with Two Green… |
| TRUE-DEALS-TODAY | True Deals Today | TRUE-DEALS-TODAY is a website that sells USA Discount Club, a members-only deals app, and names Rock Solid Brands, LLC… |
| HIGGSFIELD INC. | Higgsfield AI | HIGGSFIELD INC. |
| NURX.CO | Nurx | NURX.CO is Nurx, an online health service for birth control and other prescriptions that is part of Thirty Madison. |
| WMT PLUS | Walmart | WMT PLUS is Walmart+, Walmart's paid membership for delivery and shopping perks. |
| Amazon Prime Pmts | Amazon | Amazon Prime Pmts is Amazon's billing name for Prime payments, usually the fee for a Prime membership. |
Questions about UKCRDTRATNG.COM
What is UKCRDTRATNG.COM on my bank statement?
It is UKCreditRatings, a UK credit report and score subscription run by RS Data Tech Ltd. UKCrdtRatng.com is the shortened name its terms say some banks show; others show UKCreditRatings.
Why is UKCreditRatings charging me £24.95?
£24.95 is the monthly membership fee on UKCreditRatings' own site, taken after the 14-day trial ends unless the trial was cancelled. It is then taken on the same day each month. The Extra level costs £29.95 a month.
Is UKCreditRatings a Direct Debit?
Not usually. On its own site the fee is charged to the card used at sign-up under a continuous payment authority, though the terms also allow a Direct Debit. Either way it is the same membership.
Is UKCreditRatings legit?
Yes, it is a real UK company that sells credit report subscriptions. Most unexpected charges come from a trial that rolled into the monthly membership.
What if I did not agree to a UKCRDTRATNG.COM charge?
File a complaint on Complain.biz. We write it with you and send it to UKCreditRatings, so you do not have to chase it yourself.
Based on
- UKCreditRatings: home page (14-day trial, then £24.95 a month, shown as UKCrdtRatng.com or UKCreditRatings.com)
- UKCreditRatings: Terms of use (statement descriptor, trial, pre-authorisation, monthly payment date, RS Data Tech Ltd)
- UKCreditRatings: Recurring payments (£24.95 Club and £29.95 Extra level, continuous payment authority or Direct Debit to RS Datatech Limited)
- UKCreditRatings: Refund policy (cancellation takes effect within one week)
- UKCreditRatings: FAQs (parent company RateSpecial Interactive)
- Companies House: RS DATA TECH, LTD (08282923)