Pave - Build Credit

The only credit builder that helps build credit with all major UK agencies by reporting on-time payments and tracks your credit score. All for under £10 a month. No hard credit check, credit cards, interest or APR for any membership.

Portify Plus

Build your credit score with all major UK Credit Reference Agencies and track your TransUnion credit score in the app for £9/month.

The Portify Plus credit builder helps:

- Your Experian score
- Your TransUnion score (since Credit Karma uses your TransUnion score, the score you see in the Credit Karma app may also change)
- Your Equifax score (since ClearScore uses your Equifax score, the score you see in the ClearScore app may also change)

Portify Plus can build your credit score by sharing your positive on-time subscription and bills payments behaviour with Experian, Equifax and TransUnion. Subject to eligibility* we open a credit line that can top up your bank account with enough balance to pay recurring expenses on time. Paying your subscriptions and bills on time means you are using this credit line responsibly.

Portify Lite

The Experian credit builder for £5/month.

Portify Lite builds your Experian score. We structure your Portify membership as a loan agreement and report your membership fee payments as loan repayments to Experian. All you need to do is pay your membership fee on time. This improves your positive repayment history which makes up 35% of your Experian credit score. Improving this helps you build your Experian credit score.

Please note that Portify cannot guarantee to build your credit score with our memberships. You can find more information on why Portify might not be the best fit for you in our website FAQs.

- See our FAQ's for information on eligibility and assessment criteria.

Reviews

“I love this app. When I first read the reviews, I wanted to try it. It was the best decision I've made. I needed to boost my credit score as I've recently moved to the UK. As you would imagine my credit score was very low but since using Portify for just a few months my credit score has improved a lot. Portify takes the fee out every month with no issues. I would recommend Portify to any and everybody. I wish I could give it more stars. Thank you so much Portify.” - Zarah, Trustpilot

" My score has gone up 119 points! But guys... be patient. The app is super easy to use, and I personally find it really helpful. However.. there was no change to my score for the first 3 months. Then it jumped" - Mark - Trustpilot

“Portify – a holistic credit builder for modern workers” - Forbes

"My credit history improved a lot. My Credit score was very low and I was rejected for everything even a sim contract. After my membership with Portify my score starting increase within three months. Then I got a contract along with a mobile. After that, I got a credit card. Portify was very helpful and the fee of member is very low. I will advise you to try it. You will feel the difference within three months." Imran - Trustpilot

"At first I was a bit skeptical about the app and the things they claimed to do. So I waited 4 months to see the results. All I can say IT WAS TOTALLY WORTH IT. I will continue to use the app to keep a healthy credit score. Thank you guys." - Arnold - Trustpilot

Support

https://support.portify.co

Portify Limited is authorised and regulated by the Financial Conduct Authority (ref. 828125 and 826665), and is VAT registered (GB 279861932). Credit facilities are provided by Portify Financial Services Limited (ref. 922751), which is an Appointed Representative of Portify Limited.