TotallyMoney, the free credit report and score app operated by Intelligent Lending Group, has reached six million registered users in the UK, a milestone the Manchester-based company marked on 21 October 2026. The figure represents roughly 11% of the UK adult population, based on mid-2025 ONS population data cited by the company.
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.
What the engagement data shows
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.
Market context and competitive landscape
The UK credit-health market has matured considerably since TotallyMoney launched its free credit report service in 2017. Credit Karma, Experian‘s consumer app, ClearScore and MoneySuperMarket‘s credit tools compete for similar audiences, and all operate on variants of the same freemium model: offer free credit monitoring, monetise through matched product recommendations. The competitive advantage tends to sit in data depth, matching accuracy and the quality of the personalisation engine rather than in the report itself, since TransUnion, Equifax and Experian data is accessible across platforms.
For lenders, the segment matters because users who actively monitor their credit tend to be better-informed borrowers, and platforms that can demonstrate measurable score improvement have a stronger commercial proposition when negotiating referral or white-label arrangements with credit providers. TotallyMoney’s six-million-user figure positions it as a credible data asset within the Intelligent Lending Group portfolio alongside Binq, CredAbility, Ocean and Luv Cars.
The UK’s financial inclusion agenda adds a policy dimension. The FCA has placed increased emphasis on consumer understanding of credit and the fair treatment of customers in financial difficulty. Platforms that can show measurable credit-score improvement among thin-file or recovering borrowers align with that agenda, even if they sit outside the FCA’s direct regulatory perimeter as credit brokers rather than lenders. As open finance obligations develop under the broader Data and Smart Data Bill framework, credit-health apps will also be positioned to ingest a richer data set, which could deepen the personalisation that drives the engagement numbers cited here.
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