My Credit Score Ltd

Reference number: 713043

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When check.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 524 8923 is
  • Who else gives the postcode SK4 1AS
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Other names (22)

If you were contacted under any of these names, it is this firm.

  • carfinance4u.com Trading name
  • check Trading name
  • check.co.uk Trading name
  • Credibble Trading name
  • Credit-Score Trading name
  • Credit-Score.com Trading name
  • Credit-Score.co.uk Trading name
  • Mortgage-Score Trading name
  • Mortgage-Score.co.uk Trading name
  • timelyfinance.co.uk Trading name
  • vrfyd Trading name
  • vrfyd.co.uk Trading name
  • CREDIBBLE LIMITED Former name
  • Credit Swift Ltd Former name
  • Affalo.co.uk Former trading name
  • Creddible Former trading name
  • Credibble.com Former trading name
  • credibble.co.uk Former trading name
  • Dwellingmortgages.co.uk Former trading name
  • nivra Former trading name
  • nivra.co.uk Former trading name
  • timely.co.uk Former trading name

FCA permissions and consumer protection

  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (8 permissions)
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
09511750
Company status
Active
Company type
Private limited company
Incorporated
26 March 2015 (11 years old)
Registered office
6 Acorn Business Park(Gf), Heaton Lane, Stockport, SK4 1AS, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew David Meecham Director Apr 1979 31 May 2024 11 other companies

Other companies run by its director

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
11
closed down
4
are FCA-registered
2

In the full report: all 11 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£47.2k

Up £130k from −£82.9k

Employees (average)

0

Same as 0

Owed within a year

£129k

−48% from £247k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 09511750. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

My Credit Score’s history from the FCA register and Companies House, newest first.

Key events (9) All events (43)

2024

9 August 2024

  • Changed its registered name from "CREDIBBLE LIMITED"

FCA register

31 May 2024

  • Board replaced: its only director left and a new director took over
  • Credit Score Technologies Ltd took control (75–100% of shares)
  • Nadeem Amin gave up control

Companies House

2018

4 May 2018

  • Changed its registered name from "Credit Swift Ltd"

FCA register

2017

26 March 2017

  • Nadeem Amin took control (75–100% of shares)

Companies House

2015

3 November 2015

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

26 March 2015

  • Incorporated at Companies House

Companies House

In the full report: all 43 events

  • All 43 events in its history (9 shown here)
  • Every director appointment and resignation: 3
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Firms connected to My Credit Score

Other FCA-listed firms that share a director, phone number or address with My Credit Score. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its postcode
1
past links
2

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
  • 2 past links through former directors
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Firms like My Credit Score

Other firms of the same type (mortgage adviser or broker), nearest first.

In Stockport

5 Star Financial Solutions LtdStockportAuthorisedCarolyn TaylorStockportAuthorisedFramework Group LimitedStockportAuthorisedHomestead Financial ServicesStockportAuthorisedKitmat Services LimitedStockportAuthorisedLeslie James Mortgages LimitedStockportAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on My Credit Score

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 11 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 43 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is My Credit Score Ltd FCA authorised?
Yes, My Credit Score Ltd (FRN 713043) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2015 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is My Credit Score’s phone number and website?
The FCA register lists the phone number 0161 524 8923 and the website check.co.uk for My Credit Score. If you were given different contact details, use these to check with the firm before going any further.
Is My Credit Score a scam or clone?
My Credit Score is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with My Credit Score?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about My Credit Score to the Financial Ombudsman Service, free of charge.
Who owns My Credit Score?
My Credit Score is owned by Credit Score Technologies Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 31 May 2024. Before that, it was controlled by Mr Nadeem Amin.
Who runs My Credit Score?
Companies House lists one director of My Credit Score: Matthew David Meecham.
How long has My Credit Score been in business?
The company was formed on 26 March 2015, and has held its current FCA authorisation since November 2015.
What do My Credit Score’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £47.2k (up £130k from −£82.9k).
Does My Credit Score use any other names?
It trades as carfinance4u.com, check, check.co.uk, Credibble and Credit-Score, and 7 more names. It has previously used 10 other names, including CREDIBBLE LIMITED, Credit Swift Ltd and Affalo.co.uk.

Sources and links

The full report on My Credit Score Ltd

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