The Proper Path to Good Credit
Hundreds of thousands of members use Pave to build better credit.
Already a member? Get the app to manage your account.
Here's how Pave helps you build your credit score:
Monitor Score Progress
Track both your TransUnion and Equifax credit scores in the Pave app, and see personalised tips on how to improve. Pave is the only app in the UK that lets you see two credit scores in the same place.
Active Credit Building
Open a credit builder account with us that helps improve your payment history and credit utilisation. Your subscription and Bills Protection payments are reported to the three major UK credit bureaus to build your score (Experian, Equifax, TransUnion). This involves opening a credit line with Pave, for which you will need to sign a regulated credit agreement.
Please note that missing Pave payments may harm your credit score. To understand how this feature works, please see here for full details.
Smart Protection
Connect your bank account to keep track and get alerts on priority bills that could impact your credit score, to help you make on time payments to build your credit score. You may also qualify for an advance to help pay eligible bills if you are at risk of missing a payment. Subject to eligibility, please see here for full details.
Supported Learning
Learn about what actually impacts your credit score, and actions you can take to improve it, using our mobile app insights and 7 days a week Credit Expert support, available through WhatsApp and Email.
Membership Benefits
0% APR and no hidden fees
Credit Expert WhatsApp support 7 days a week
No hard credit checks
No trying to sell you more debt or credit cards
Actively build your credit score
Award winning product
T&Cs apply. See here.
How does Pave credit building work?
Gives you efficient credit fixes
We analyse your credit file to suggest actions that could help improve your score. You can also ask our Credit Experts questions via WhatsApp or Email.
Helps you manage priority bills
We connect to your bank accounts and remind you when bills that might impact your credit score are coming up to help you make on-time payments to protect your credit score.
Improves your credit utilisation
Your credit usage makes up 30% of your credit score. Pave helps improve your credit usage by opening a credit line for you, and sharing how you use this with Credit Reference Agencies.
Improves your credit history
Your credit history makes up 35% of your credit score. Pave helps improve your credit score by sharing your payment history with Credit Reference Agencies. Missing Pave payments may harm your score.
We're no longer accepting new members
Pave is no longer accepting new members. If you're already a member, you can continue to manage your account in the Pave app.
Pave Plus
PLUS
£9 MONTHLY
- Build your score with TransUnion, Experian and Equifax for best coverage
- Priority bill alerts and protection for your score. Bills protection subject to eligibility.
- WhatsApp based support from Credit Experts seven days a week
- Track your TransUnion and Equifax credit score
- Rewards for paying bills on-time
- No hard credit check
- Your money back after 12 months if your score doesn't improve - full terms here
Note: If you have had a CCJ, IVA or Bankruptcy in the past 12 months, Pave may not be able to help. We do not recommend that you sign up for Pave until your IVA, CCJ or Bankruptcy is more than 12 months old. Missing Pave payments may harm your score.
FAQ
How does Pave build my credit score?
Pave memberships help build your credit score using various tools. Neither of our memberships require a hard credit check, and may be useful if you are new to credit or looking to build your credit health.
Please note that Pave cannot guarantee to build your credit score with our memberships. You can find more information on when Pave might not be the best fit for you here.
Read more about building your credit scoreIs Pave safe?
Pave is authorised and regulated by the Financial Conduct Authority under firm registration number 828125/826665. This means we have been approved to access and display your banking information. You can find us on the FCA register.
We use the same end-to-end 256-bit TLS encryption method used by all major banks. We also never store any of your sensitive details on our servers.
Read more about Pave securityWhat is my credit score?
A credit score is made up of five factors according to Experian: payment history, credit utilisation, credit history length, credit mix and how new your credit is. Each factor has a different weight in deciding your credit score.
Below you will see a list of factors according to Experian.
- Payment history
- Credit utilisation
- Credit history length
- Credit mix
- How new your credit is
What credit score does the Pave app show?
We show your TransUnion credit score, and your Equifax credit score.
We're working with TransUnion and Equifax as they're two of the UK's top Credit Reference Agencies, whose records are checked by some of the major UK banks and credit providers.
Read more in the help centreIs Pave suitable for me?
We do not recommend signing up to Pave if you are struggling to meet your existing credit repayments or essential expenses:
If you have the following negative markers on your credit file within the last 12 months, Pave will likely not be able to increase your credit score or your chances of accessing new credit until that marker is more than 12 months old.
- A County Court Judgement (CCJ)
- An Individual Voluntary Arrangement (IVA)
- Bankruptcy
You will need to confirm that none of these apply to you before signing up.
What do I need to do once I've signed up?
Pave will work in the background to boost your score, but you still need to maintain good credit behaviours, including:
- Making on time credit repayments (including Pave payments)
- Paying your bills on time (Pave can send you alerts to help you do this)
- Maintaining utilisation of revolving credit products below 25%
- Staying registered on the electoral roll or registering if you are not already
- Limiting the number of new credit accounts you open, as these can decrease your score temporarily
Pave will give you personalised tips within the app to remind you to do all of these things.