Terms And Conditions

The information below contains important points which You need to know about Credit Chum and the service We provide. We request that You read the following Terms and Conditions prior to using this form, to ensure that You are satisfied with the service that We can offer You.


"Terms" means these terms and conditions

“TransUnion” means TransUnion International UK Limited (company number 3961870), authorised and regulated by the Financial Conduct Authority under number 737740, whose registered office is at One Park Lane, West Yorkshire, LS3 1EP. Authorisation can be checked on the Financial Services Register at www.fca.org.uk

"Users" means the users of the Website collectively

"User Information" means the details provided by You on any application via the Website

"We/Us/Our" means Credit Chum Ltd

"Website" means the Website or any subsequent URL which may replace it which is used to access Our service

"You/Your/Customer" means a user of the Website

CPA means recurring payments

By using this Site, You are agreeing to comply with and be bound by the following terms of this Agreement. Please review the following terms carefully. If You do not agree to these terms, You have no right from Credit Chum to obtain Information from or otherwise use this Site. In the event You fail to use this Site in accordance with the terms below We reserve Our right to take legal action or to report any mis-use to the relevant authorities.

As We will be providing a service to You, We will therefore have no obligation to any other party, only You. Please also be aware that if a third party uses Our services on behalf of You, Our obligation will still be with You being Our Customer. Furthermore, the Terms and Conditions will also relate to You, Our Customer, and not with any other third parties.

This Agreement constitutes the entire and only agreement between us and You, and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Site, the content and software programs provided by or through the Site, and the subject matter of this Agreement. This Agreement may be amended at any time by us without specific notice to You. The latest Agreement will be posted on the Site, and You should review this Agreement prior to each use of the Site.

If, after reading Our Terms and Conditions, You do not agree with the content then We request that You do not use Our service.

(1) Introduction

This site, Credit Chum Ltd is registered in the UK under Registration No.13036329.. Registered address: Credit Chum Ltd, Lloyds House, 18-22 Lloyd Street, Manchester, Lancashire, M2 5WA. Registered with the Information Commissioner's Office ZA817856. Authorised & regulated by the Financial Conduct Authority as an appointed representative of MediaBlanket Ltd under Firm Reference No 940839 (MediaBlanket Ltd FRN 723605).

By signing up, and agreeing to be a member of our services, You are providing us with a Continuous Payment Authority (CPA), to allow us to collect payments automatically from your bank account using the debit or credit card that you provided for this purpose.

CPA means recurring payments, see continous payments.

(2) TransUnion

TransUnion provides Us with data that We use to provide Our services to You.

When receiving all of the relevant information which You have provided when You apply to use Our service, We will provide access to Your personal credit report, Your credit score, and other services (as outlined below).

  • The Consumer must be requesting the Consumer Requested Data for their own personal non-commercial use and not on behalf of anyone else. The Consumer cannot request credit information about any third party using the Reseller Product.
  • TransUnion shall use its reasonable efforts to verify the accuracy of the information provided as part of TransUnion Provided Services. TransUnion cannot guarantee that it is completely accurate, however. Some of this information comes from other businesses and sources, such as the electoral roll, insurance companies or financial institutions. Neither TransUnion nor any other third parties used to provide the Consumer Requested Data have any control over the content of such information and are not responsible if it turns out to be inaccurate. The Consumer should be directed to TransUnion’s Support and Help Desk Service if the Consumer has a concern that their information is inaccurate.
  • The fact that a Consumer has a good credit score does not mean that a lender, credit card company or other provider of financial services products will accept their application, and they have their own acceptance criteria. Also, a credit score does not take into consideration affordability issues which are also considered by financial services/credit providers.
  • The Customer’s right to access TransUnion Provided Services is a personal right and the Customer must not allow any other person to have access to the Customer’s account using the Customer’s username and password. The Customer must keep its username and password confidential
  • The Customer should contact the Reseller immediately if it believes that there is a security issue associated with its account
  • The request for such Credit Report shall leave a monthly footprint on the Customer’s credit file, which is not visible to lenders, but will be visible to the Customer. This will occur for up to twelve months without the Customer themselves requesting a Credit Report;
  • In order to receive the Credit Report as part of the Reseller Product, the Customer is submitting a request under section 15 of the GDPR to TransUnion.
  • The Customer acknowledges and agrees that all intellectual property rights in TransUnion Provided Services and all aspects of them shall be owned by TransUnion and/or its licensors.

Please note that Credit Chum Ltd is not a credit reference agency – We submit requests to Our trusted third party partner, TransUnion, to enable Us to provide You with the Services. For further information, please refer to Our Privacy Policy and TransUnion's Privacy Policy

TransUnion provides Us with data that We use to provide Our services to You.

(3) Our Services

Credit Report

You need to apply online at www.CreditChum.co.uk and create an account with Us in order to receive the Services. On completion of the online application form, and the successful submission of Your payment details, You will be presented with an on screen message confirming whether or not Your application has been successful.

You will be required to successfully pass an authentication process before you are granted access to Our services.

Unfortunately, not every applicant for the Credit Reporting Services will be accepted as a user. There is no obligation on Us to notify You as to why You have not been accepted. However, possible reasons for this include:

  • At the time of application, TransUnion may have not been able to match Your personal details to the correct credit report
  • You did not have enough of a credit history on Your credit file to provide a credit report

The credit report will be provided to You online. This will be updated when You log into Your account.

An overview of Your credit rating will be available to You online. Your credit rating is an assessment of your credit worthiness based primarily upon your history of borrowing and repayment.

Your most recent credit score will be available to You online and is updated when You log into Your account. Your credit score is an indicator of how good Your credit history is, and what the likelihood of obtaining credit is.

Credit Report Lite

Credit Chum gives members immediate access to our in-house built credit reporting lite product. This product does not read any credit reference agencies and so using it does not leave ANY footprint. Please note that this tool is not based on payment data from lenders or the electoral register and court records. The results given are purely a guide and members can change answers to questions to see how changes might affect a rating.

Offers and Discounts

A Member is entitled to access discounts and/or other benefits ("Benefits") on certain products and services offered by vendors/providers participating in the Programme. Benefits are set out on the Credit Chum Website, although some Benefits may not be available in all areas.

Social Reporting and Scoring

As part of your membership you may be entitled to receive the Credit Chum social reporting suite. This comprises of access to various social media platforms that are being updated on a regular basis. The scoring system Credit Chum uses is based on an in-house algorithm.

Credit Broking

We are not a Lender or Provider and therefore We will not provide finance directly to You; We provide an online loan matching service, We will introduce You to Lenders or Providers of financial services. By submitting an application through Our form or Comparison Site You will be giving Your consent for Credit Chum to match Your application with one of the Lenders or Providers on Our panel. If You apply via Our online form, We will present Your application in real time to one or more of Our Lenders or Providers based on their lending criteria until such time as one of Our Lenders or Providers accepts Your application or all Lenders and Providers decline Your application OR if You apply via Our Comparison Site We will present Lender products to You. If a Lender or Provider accepts Your application You will be forwarded to a page on the Lender or Provider’s Website that they have requested We direct You to or if the Lender or Provider does not work online We may present You with a screen that gives You information and contact details relating to the Lender or Provider that accepts You. It is important to understand that We will only forward You to a Lender or Provider that has looked at Your application and accepted it as one they believe there is a good chance they can provide a loan or relevant services to You, (if You have submitted an online form application), or We will only display to You a Lender or Provider that is relevant to your search, (if You have used our Comparison Site). It is also important to understand that We may be paid a fee by the Lender or Provider for introducing You to them and We may pay a portion of that fee to the Website owner that is using the iframe form as a service.

There is no obligation for You to take up the loan or service with them. You should read their conditions carefully and make a responsible decision on whether You believe their service is right for You. If You have any questions or are unsure You should contact the Lender or Provider before taking out any service or loan with them.

Any examples of amounts available to borrow, terms (repayment periods) or rates stated on the Lender or Provider Websites are purely given as a representative example relating to the product. These representative examples are stated to give You an understanding of the products available. Representative examples are not given as a figure of what You will actually be offered by the Lender/Finance Provider therefore cannot be given as a guarantee nor can they be used as any kind of warranty. As We do not provide the loan or financial service directly to You We are unable to control the representative rate examples contained on the Website. Please also be aware that the decision to offer any loan or financial service is made by the Lender or Finance Provider and We have no control over the decision making.

The Lender/Finance Provider will conduct an assessment on You before any decision or offer is made; this may include a full assessment of Your credit history both past and present.

(4) Fees

As communicated at the time of Your application, to access the Credit Reporting Service a subscription fee will be payable by Direct Debit to Credit Chum Ltd. The description of this charge may vary on Your bank statement depending on Your Bank.

If required, at the time of application, an initial payment will be payable immediately, or on the date which has been specified in Our offer to You (e.g. 48 hour Free Trial after signing up). If a Free Trial Period is not specified at the time of sign-up, no Free Trial Period is being offered. The subscription fee specified will then be payable at the frequency specified.

Monthly pricing is £19.99 (inc VAT) per month.

Please note that on sign up a £0.09 card authorisation charge will be taken for verification purposes

(5) Cancellation

Once You have received the on-screen message that Your application has been successful, Your contract for the Credit Reporting Service commences. If, as part of the application process, You are asked to submit some documents to Us, Your contract for the Services commences on the day that We are able to successfully verify Your identity using those documents.

You may cancel or terminate this agreement by:

  • logging into your account and following the cancellation link in the footer
  • contacting us using our contact form. We aim to get back to you within 2 business days.

A member may request a refund at any time by contacting us at the above-mentioned email address or logging into their account and following the cancellation link in the footer. Refunds will only be granted in the case of fraud, and/or in the event of Our partial or total non-performance, or inadequate performance of failure to deliver the agreed upon service to the member.

If the member has used the services (i.e. signs up to CreditChum.co.uk using a credit or debit card and validates themselves), then the services have been determined and agreed to have been rendered. As such, except in the events as referenced above, the ability to demand a full refund for services rendered have been forfeited by You. For the avoidance of doubt, services have been delivered for that day and month, and every day and month thereafter as soon as a sign up occurs, until the membership is cancelled.

Apart from where there are serious grounds for doing so without notice, We reserve the right to terminate this agreement (cancel membership), by giving You one Week’s notice. Should this happen, We will only credit Your credit or debit card for the amount equivalent to the remaining days in the month i.e. pro-rata. For the avoidance of doubt We will not refund Your card for the entire charges of the month(s) or any charges for previous months. This is because the service was active and being used.

Upon Your membership being terminated, We will not be required to continue to provide the outlined service to You after the termination of Your membership.

If you choose to cancel Your Membership within a valid Free Trial Period, Your Membership will end at the expiration of that Trial Period if You serve this cancellation request via email or by logging into Your account and following the cancellation link in the footer. If You serve Your cancellation request after the date that Your first payment is due, We will have attempted to take this payment. If We receive this payment and You believe You should be entitled to a refund, please see our Refund Policy for further information.

If You choose to terminate this Agreement (and cancellation of Membership) outside of any valid Free Trial Period, Termination will be effective within 1 Day of the receipt by us of the Member's cancellation request or Our notice to the Member.

If the termination of Membership is received within a Trial Period, no Membership Fees will have been paid or will be payable by the Member, therefore no Membership Fees will be re- credited to the account of the affected Member. If the termination is at any time after the Trial Period, apart from Membership Fees that are already due, no further Membership Fees will be owed. The Member will not be entitled to a refund of any past Membership Fees charged to account of the Member (excluding cases where there has been inadequate performance by Us), and all access, use of or benefit of the Membership (including the Credit Reporting Service) will cease. Please see our Refund Policy for further information.

In order that We meet Our obligations under data protection regulations, please confirm the following information when contacting Us: -

  • Full Name
  • Email Address that you used to register for your account; we cannot locate you in our records if you provide a different email address
  • Mobile Number that you used to register for your account; we cannot locate you in our records if you provide a different mobile number
  • The Post Code that you used when registering

(6) Membership Fees and Continuous Payment Authority

When signing up to be a Member, you provide us with a continuous payment authority ("CPA") so that we can collect repayments automatically from your bank account using the debit or credit card you nominate for this purpose.

You may be entitled to a Trial Membership Period, the details of which are located on the Website that You Were shown or marketed to at the time of Your initial sign up to be a Member of Our services. If no Free Trial Period is specified at the time of registration, no Free Trial Period is being offered. In accordance with Our Terms of Use, located above, or the link at the bottom of the Website named Refund Policy, a Member can cancel any time.

If the attempt for the Membership Fee is unsuccessful we may use the CPA to make 15 further attempts in a period of 60 days beginning the day after the date that the Membership Fee for that month became due.

Service may be suspended pending receipt of the Membership Fee. Although you can contact your bank to cancel the CPA at any time, we advise that for the quickest resolution that you contact us to cancel the CPA by using the contact details found in the Terms.

Please be aware that if you do cancel you will still owe any outstanding Membership Fees as agreed and your access to the Service will be terminated. Cancellation of this CPA will be effective from the date that we receive such notification.

We may increase the Membership Fee on 30 days’ notice on the Credit Chum Website and by notice by email or letter to the Member.

If you do not agree with any such change you may terminate this agreement by:

  • logging into your account and following the cancellation link in the footer
  • contacting us using our contact form. We aim to get back to you within 2 business days.

(7) Intellectual Property & Limited Rights Of Use

All the copyright and material on this Website is owned by Credit Chum Ltd and is protected by the copyright and trademark laws of the United Kingdom. You are permitted to copy any such information for Your own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of Credit Chum Ltd.

Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this form may be in breach of statutory or common law rights which could be the subject of legal action. Credit Chum Ltd disclaims all liability which may result from any unauthorised reproduction or use of the information on this form.

(8) Site Access

At Our sole discretion, We reserve the right to change, edit or delete any information, document or any other content appearing on the Site. Your right to use the Site is not transferable, and any right or password provided to You to obtain details or documents from the Site is not transferable. All information must be treated as confidential by You, and its disclosure to any third party is not permitted. If in Our opinion, You have failed to comply with any of the provisions in this Agreement, whether chosen by You or allocated by Us, We reserve the right to disable any password, at any time.

(9) Our Liability and Disclaimers

As far as is reasonably practicable, We will endeavour to ensure the accuracy of any material displayed on Our site.

Under no circumstances will Credit Chum Ltd or its third-party partners or agents or employees therefore be liable to Your or anyone else for action taken or decision made by relying on the information on this Site or for any special, consequential or similar damages.

A credit score and credit report is an indication of Your financial position. If using Your credit report and/or credit score to obtain credit, You must ensure that You are able to afford to make the repayments when they are due.

Should You believe that any details on Your credit report are inaccurate, then please raise a query by using the online process, accessible via Your credit report. This raises a dispute with TransUnion, and if they agree that the information is inaccurate, they can make the necessary amendment(s).

We will not be liable (other than negligent or fraudulent misrepresentations) for any economic losses (including without limitation loss of data, contracts, revenues, profits, business or anticipated savings), loss of reputation, or indirect or special losses suffered or incurred by You.

(10) Links to other Websites

The Site may contain links to third-party Websites. Such third-party links are only provided as a convenience to visitors of the Site, and the inclusion of a link does not imply approval or endorsement of the linked site by Us. We are not responsible for the content, privacy policies, available computer programs or opinions expressed on these Websites, and nor do We control, investigate, monitor or check such Websites.

We are unable to guarantee or warrant the content and/or accuracy of third-party links displayed and/or accessed from Our site and no representations are made by Us as to the accuracy or any other aspect of the information contained in other sites.

Should You leave the Site and access any third-party Websites, this is done at Your own risk and You should refer to the Websites' terms and conditions, including their privacy policy, prior to using their services or submitting any personal data to them.

(11) Site Security

No responsibility is accepted by Us for the corruption or loss of any material in transit, or the corruption or loss of any material when downloaded onto any computer system.

You must not misuse Our site by knowingly introducing any malicious or technologically harmful material, including but not limited to, trojans, logic bombs, trojans or viruses. You must not attempt to gain unauthorised access to Our Site, the server where Our Site is stored, or any other server, database or computer connected to Our site. You must not attack Our site via a distributed denial-of-service attack or a denial-of-service attack.

Should You mis-use Our Site and if We believe that offences may have been committed under the Computer Misuse Act 1990, We may inform the relevant authorities and bring legal action. Where such a breach is reported by Us to the relevant law enforcement authorities, We will co-operate and disclose Your identity to them. We do not accept any responsibility for any connection or equipment failures which affect Your access to / use of the site, or for security of the same.

The security of Your own computer systems and the transfer of any information from it is Your responsibility.

(12) Privacy

Our Privacy Policy applies to the use of Our Site and its terms are made a part of this Agreement by this reference.

We will only process information about You in accordance with the Privacy Policy. When You use Our Website and form You consent to us processing Your personal information and therefore warrant that all information/data provided by You is accurate and correct. Please familiarise Yourself with the details within Our Privacy Policy prior to submitting Your application.

Account communications

Credit Chum will send you an SMS regarding your account as a follow up to your registration. This SMS is sent to direct you back to our form on the basis that you failed to complete the registration process.

(13) Site Information

The Site contains Information about Us, Our business and Our services, including links to third-party Websites that contain such Information, which are being provided as a convenience to visitors of the Site.

At the time the Information was prepared by Credit Chum Ltd, it was believed to be accurate, however, We disclaim any obligation or duty to update any Information. Any information concerning companies other than Credit Chum Ltd should not be relied upon as being endorsed or provided by Us.

Any opinions expressed in any Information, including by employees and agents of Credit Chum Ltd, are those of the author(s) and do not necessarily reflect those of Credit Chum Ltd.

In regard to Information contained in links to third-party Websites, please refer to Links to other Websites above.

(14) Site Visitor Communications

Unless stated otherwise by Us, all feedback, comments, information or materials that You submit via or in association with the Site are considered non-confidential. By submitting feedback, comments, information or material to Us:

  • You grant Credit Chum Ltd all necessary rights, including a waiver of moral and privacy rights to use all feedback, comments, information or materials, wholly or partly, or as a derivative work, without any obligation or consequential duty arising on Credit Chum Ltd to anyone whatsoever
  • You warrant and represent that You have all rights to enter into this Agreement
  • You warrant and represent that Credit Chum Ltd’s use of Your submission will not and does not breach any agreement, infringe any third party’s rights or violate any law

Credit Chum Ltd does not accept any unsolicited works, ideas or other materials and You acknowledge that You are responsible and bear all risk to the distribution or use of any works, ideas or materials.

We prohibit the scraping of email addresses from any Credit Chum Ltd Website (all areas of this site) and We expressly opt out of from receiving commercial emails to Credit Chum domain email addressed that were obtained by violating the above or through the use of automatic address generation software.

(15) Eligibility

The Information contained in this Website is subject to the UK regulatory regime and is therefore intended for consumers based in the UK. This site is available to UK Residents only aged 18 years and over and information contained on Our Site does not amount to an invitation to clients who are under 18 to buy any services or products and/ or are not a UK resident.

By registering on the Site and applying to use the Services, You confirm that You meet these requirements.

A separate agreement to be entered into at the time of subscription or purchase of these services governs all transaction for the supply of service concluded through Our site.

(16) Compliance

The Form may only be used for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the Form and its use. You agree not to upload or transmit through the form: any computer viruses or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer; and any material which is defamatory, offensive or of an obscene character.

(17) Jurisdiction

The Website & Form is controlled and operated in the United Kingdom. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of England and Wales and You irrevocably agree to submit to the exclusive jurisdiction of the English courts.

All communication with You will be in English.

(18) Complaints

We endeavour to make every effort to ensure Our service to You is excellent; however, if You wish to make a formal complaint, please send Your complaint via our website or by post:

Write to us at: The Compliance Manager, Credit Chum Ltd, Lloyds House, 18-22 Lloyd Street, Manchester, Lancashire, M2 5WA.

We will issue a final response to You within 8 Weeks of Us receiving Your complaint. If You are unhappy with Our response or have not received Our final response after 8 Weeks You may refer Your complaint to: Financial Ombudsman Service, Exchange Tower, London E14 9SR.

If Your query relates to data that TransUnion holds, or if We are unable to resolve Your query or dispute, We may refer Your query or dispute to TransUnion. TransUnion’s complaints policy is at:

Complaint Resolution: We have a complaint-handling process, which includes alternative dispute resolution (a process where an independent body considers the facts of a dispute and seeks to resolve it, without You having to go to court). If You are not happy with how We have handled any complaint, You may want to contact the statutory alternative dispute resolution provider for financial services in the UK – the Financial Ombudsman Service. The Ombudsman will not charge You for making a complaint and if You are not satisfied with the outcome You can still bring legal proceedings. The contact details for the Financial Ombudsman Service are:

The Financial Ombudsman Service
Exchange Tower
E14 9SR

Tel: 0800 023 4567 or 0300 123 9123

(19) Summary of your Legal Rights

The below is a summary of Your key legal rights. These are subject to certain exceptions. For detailed information please visit the Citizens Advice Website or call 03454 04 05 06. In relation to services the Consumer Rights Act 2015 states:

  • You can ask us to repeat or fix a service if it’s not carried out with reasonable care and skill, or get some money back if We can’t fix it;
  • If You haven’t agreed a price upfront, what You’re asked to pay must be reasonable
  • If You haven’t agreed a time upfront, it must be carried out within a reasonable time frame

Last updated: 18th January 2022

I acknowledge and hereby agree to the terms & conditions of this Website. I want to sign up to see my credit score & report.

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