Creditspring: most-reported complaints
Automated analysis of 1,676 public Trustpilot reviews published 2026-06-14 to 2026-09-23. TrustScore 4.8 from 29,861 total reviews — see the Trustpilot page. Quick answer: is Creditspring legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Across 1676 Trustpilot reviews analysed, the most-reported issues with Creditspring were: Support unreachable (19 reports), Other (18 reports), Aggressive collections (17 reports).
How to reach Creditspring
These are the contact details Creditspring publishes on its Trustpilot profile, as of our last check on 2026-09-23 — it publishes no phone number there, address 86-90 Paul Street, London, EC2A 4NE, GB.
The company uses Trustpilot’s paid features, uses Trustpilot’s AI-assisted replies, and last replied to a negative review on 2026-09-22. Trustpilot ranks it 52 of 164 in Non-Bank Financial Service. We last checked this profile on 2026-09-23 and found 126 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Companies House: CREDITSPRING LIMITED (no. 10690814), active, incorporated 2017 (9.4 years); next accounts due 2027-09-30, last accounts filed 2026-09-08. 1 current officer (2 on record historically); 6 filings in the last 12 months (35 filings on record). official record — public register facts, not an indicator of wrongdoing; officer changes are routine in many company structures. Live Companies House status as of 2026-09-23.
Forum footprint: 11 MoneySavingExpert forum discussions mention this company (browse). Roughly 0 of the top, relevance-sorted search results were posted in the last 90 days — an approximate figure by construction, not a true recency count. Recent thread titles: “Creditspring membership cancellation”, “Creditspring refusing to pay loan”, “E: 29/03 Win £250! (IG)”.
Elsewhere: 4.8★ on Google (6,527 reviews)
TrustScore over time
4.8 → 4.8 across 15 census measurements since 2026-08-12. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-12 (100%, 3.4d) · 2026-08-15 (100%, 3.3d) · 2026-08-18 (99%, 3.3d) · 2026-08-21 (99%, 3.3d) · 2026-08-24 (97%, 3.3d) · 2026-08-27 (97%, 3.3d) · 2026-09-01 (97%, 3.5d) · 2026-09-04 (97%, 3.5d) · 2026-09-07 (97%, 3.5d) · 2026-09-11 (97%, 3.5d) · 2026-09-14 (97%, 3.6d) · 2026-09-17 (97%, 3.5d) · 2026-09-20 (97%, 3.6d) · 2026-09-23 (98%, 3.6d).
Severity: 36% of this company’s 91 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
1★ share of negative reviews over time
Share of 1–3★ Trustpilot reviews that were 1★
In October 2025, 52% of 21 one-to-three-star reviews were 1★; in September 2026, 68% of 37.
Counted from October 2025 onward — the period for which our capture of 1★, 2★ and 3★ reviews is complete for all three. Months with fewer than 10 such reviews are omitted.
Reviewers here waited a median of 7.8 days between the experience and publishing their negative review (552 reviews record both dates).
Ombudsman outcomes
The Financial Ombudsman Service has published 47 decisions naming this firm, of which 53.2% were upheld in the customer’s favour (21 upheld, 4 partly upheld, 22 not upheld).
Covers decisions dated 2022-07-26 to 2026-07-24, by the acceptance-deadline date the Ombudsman publishes — not the date the complaint was decided.
Official published outcomes from the Financial Ombudsman Service, not our analysis. Uphold rates reflect the cases that reached the ombudsman, not all complaints. source.
Measured reply time: across 522 negative reviews that received a public reply, the median wait was 2.7 days — the company profile reports an average of 4 days.
Reply quality: of 522 company replies to negative reviews analysed, 40% engaged with the specific problem and 38% were generic templates.
Review provenance: 1567 company-invited reviews in the recent window average 4.88★, while 52 organic (uninvited) reviews average 2.83★.
10% of its 1480 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: support unreachable makes up 21% of this company’s complaints vs a 19% median across 141 ranked companies in its sector.
Review velocity: 9,502 of this company’s 29,861 Trustpilot reviews (32%) were written in the last 12 months.
What are the most common complaints about Creditspring?
Support unreachable
19 reports · 21% of complaintsrising since 2026-09“incorrect information on my credit report”
“My credit report say's different. It says £50 outstanding. I emailed these c.nts 5 time's about this, to which all communican went ignored.”
“they want to keep deducting when they didn't give me loan”
Other
18 reports · 20% of complaintsfalling“Did nothing but cost me money and lower my credit.”
The company replied on 2026-08-28: “Hi Robert, thank you for taking the time to share your feedback. We're sorry to hear you found the process confusing. We know that cost is an important consideration, and we're always working to…”
Our classifier read this reply as a deflection.
“Someone named John smith has been messaging me pretending to be someone from creditspring”
The company replied on 2026-07-09: “Hi Andrea, thank you for bringing this to our attention. We're sorry to hear about your experience. Please know that we never ask for upfront payments, so it's possible that you may have been…”
Our classifier read this reply as a substantive response.
“I haven't experienced this with any company before. My question is,is credit spring website not safe for transaction”
The company replied on 2026-06-24: “Hi Olamipo, thank you for bringing this to our attention. We're sorry to hear about your experience. Please know that we never ask for upfront payments, so it's possible that you may have been…”
Our classifier read this reply as a deflection.
Aggressive collections
17 reports · 19% of complaintssteady“Credit spring agressively hassled and threatened me whilst I was working.”
1 reader marked this review helpful on Trustpilot.
“quietly destroyed my credit file.”
“incorrect information on my credit report”
Billing errors
13 reports · 14% of complaintssteady“this morning they took the money from my account, putting me into an unarranged overdraft”
“they take whenever they want and take more than one payment on 2 consecutive days emptying my bank account no help from customer services”
“they want to keep deducting when they didn't give me loan”
Support unhelpful
12 reports · 13% of complaintsrising since 2026-09“quietly destroyed my credit file.”
“this morning they took the money from my account, putting me into an unarranged overdraft”
“they take whenever they want and take more than one payment on 2 consecutive days emptying my bank account no help from customer services”
Overcharging
10 reports · 11% of complaintsrising since 2026-09“you are paying a high price with your £10 P/M in there so called membership fee”
The company replied on 2026-06-25: “Hi Michael, thank you for taking the time to leave a review. We're sorry to hear about your experience. Our complaints team is currently reviewing the concerns you've raised and will be in touch with…”
Our classifier read this reply as a template response.
“This wonderful company have tei d to land me with an early settlement fee which has never ever been mentioned”
The company replied on 2026-06-25: “Hi Anthony, thank you for taking the time to leave a review. We're sorry to hear about your experience. We can see that your complaint has been reviewed and that you've been in touch with our team.…”
Our classifier read this reply as a template response.
“charging hidden fees and no refunds”
The company replied on 2026-09-22: “Hi Muhammad, thank you for taking the time to leave a review. We're sorry to hear about your experience. To clarify, there are no hidden fees or interest charges, you repay the loan amount and your…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
Compare Creditspring with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-23.