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    Giving 4 million customers ways ...

Giving 4 million customers ways to improve their eligibility

This week, in celebration of hitting the four million customer milestone, our product managers are each writing about a product feature they like or have worked on during their time at TotallyMoney. Senior product manager Tom Cross takes us through a brand new feature he’s been working on – Dynamic Actions.

Eligibility is your ability to access credit. If you’re not eligible, you can’t get a card or loan – it’s that simple.

Living life without some form of credit is near-impossible. Buying a new car or purchasing a first house is a goal for many of our customers, but will require credit for the vast majority. 

The challenge for those with lower credit scores, and therefore lower eligibility, is achieving these goals becomes significantly more expensive, or even impossible in some cases. As our mission at TotallyMoney is to help everyone move their finances forward, this is something we clearly needed to remedy.



Dynamic Actions is a set of personalised actions customers can do to help improve their eligibility. These are unique for every customer and are designed to answer the ‘so what?’ questions around the difficult concepts in the world of credit.

We realised quite quickly that it isn't enough to present customers with information on how to improve their eligibility, then let them work out both the problems and the solutions themselves. Instead, we need to be crystal clear about what’s affecting them, and what they can do about it.

This is what Dynamic Actions has been designed to achieve. It’s a set of personalised recommendations, adapting to each customer’s unique, individual circumstances. Using the recommendations it gives, customers can easily see how to improve their eligibility, so they see more cards and loans and move towards achieving their goals.

For example, one of the Dynamic Actions recommends a customer register for the electoral roll, a known way to quickly improve your standing amongst lenders. Another one suggests you keep your income and employment status up to date, so lenders can see how much you earn.

Over the coming weeks and months, customers will see the new Dynamic Actions in the TotallyMoney app, helping them with actions they can take there and then to improve their eligibility.


We need to be crystal clear about what’s affecting our customers, and what they can do about it.Jorge: Using Credit Assistant, customers can make better borrowing decisions.

We're on a mission to improve the UK's credit score and help people move on up to a better future.


TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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