Recent Posts

9 Brilliant Tips for Building Credit and Becoming Financially Fit

Becoming financially fit isn’t easy, but it’s within your reach. Read more to learn 9 tips to build your credit and become financially fit.

From Portify to Pave - We are Live!

We are so excited to finally launch the new Pave app - the same easy-to-use interface that's already helped thousands of people build better credit with some exciting new features. 

What is a Credit Builder Loan?

A credit builder loan is designed to help people with no credit or poor credit to build their positive payment history. Learn if this option is right for you.

Understanding credit utilisation

Understanding credit utilisation can be tricky, but learn all about how to understand what credit utilisation is here.

Overdraft changes 2020: What do the changes mean for you?

Overdraft changes in 2020 mean that using your overdraft in 2022 might have become more expensive! Find out what the changes mean here.

The Ultimate Credit Builders for 2022

Looking to improve or build your credit? Check out these credit builder apps, accounts, and checkers that can give you a head start!

Will a Notice of Correction Fix My Credit Score?

A notice of correction can be used to explain certain circumstances on your credit report. Learn about this here!

What is a Default?

What Credit Score is Needed to Buy a Car in the UK?

Ever wondered what credit score is needed to buy a car in the UK? The answer is not so clear cut. Learn more about this topic here!

What Credit Score Do You Need For a Phone Contract?

Find out more about building up your credit score, securing a phone contract, and taking steps to financial freedom. What credit score do you need for a phone contract?

The Ultimate Guide to Credit Builder Cards for Bad Credit

If you're looking for a credit builder card for bad credit, we've compiled the ultimate guide so you can make an informed decision. Learn more about them here!

The Top Credit Builder Tools for 2022

Looking to get started building your credit in 2022? Start with these credit builder apps, cards and loans to get a head start!

The Electoral Roll and your Credit Score

Being on the electoral roll is an easy way to improve your credit score. Find out how with this guide from credit builder app Portify.

Rent Increase Laws in the UK 

Have you ever wondered if there are any protections or laws against rent increases in the UK? Learn more about this relevant topic here.

Nationwide FlexPlus Account: 2022 Review

The Nationwide FlexPlus Account and FlexPlus overdraft is a popular offering in the UK. Is it still worth it after recent changes to the offering? Learn more here.

Mind over Mortgage: Saving for your first home 

Buying property and real estate is a goal for many and a good investment idea. Learn more about how to effectively save money to buy your first home

Is Renting With Bad Credit Possible in the UK?

Renting a flat with bad credit can be tricky in the UK. Is it impossible? Find out more about how to gain access to housing, here!

Improve Your Credit Score for a Mortgage in the UK 

There's no magic credit score that can get you the mortgage you want, but find out how to build your credit score for a mortgage in the UK!

How to remove a CCJ from your credit report?

County Court Judgements (CCJ) are on the rise. Learn how you can remove a CCJ from your credit report and all the ways a CCJ impacts your credit score here.

How to Get a Credit Line in The UK

Ever wondered what it takes to get a personal credit line in the UK? Learn more about the important steps you can take to achieve financial flexibility.

How Long Does a CCJ Stay on your Credit File?

Have you ever wondered how long a CCJ stays on your credit file and what the effects of one are? Learn more about this important topic here!

Halifax Credit Checker Explained

Have you thought about applying for a credit card or loan? Learn what to expect when using the Halifax credit checker to apply for loans or credit cards.

How Long Does a CCJ Last?

County Court Judgements (CCJ) are on a historic rise in 2021. How long does a CCJ last and what is the impact? Learn more here!

How to get car financing with no credit check

Getting car financing with no credit check might seem like the dream, however be careful of people that promise the world! Learn if you can get car financing without a credit check here.

How to Repair Credit in the UK

Repairing a bad credit score can be tricky! Learn how to repair bad credit in the UK here!

How to Get a Mortgage With Bad Credit

Homeownership has many benefits but is it possible to buy a home with bad credit? Learn more on how to get a mortgage with bad credit here.

How to Get Accepted for a Loan in the UK

Have you ever worried about whether or not you’ll be accepted for a loan? Follow these steps to increase your chances of acceptance!

What Fees are Associated With Renting in the UK?

A lot has changed around what fees landlords are allowed to charge when renting in the UK. Learn the most up-to-date info here!

Everything You Need To Know About Barclays Bank Overdraft

As the financial outlook continues to evolve in 2021, it’s important to stay updated. Learn everything you need to know about Barclays overdraft here.

Credit Builder Cards Explained

Credit builder cards are a specific category of credit cards designed to help you build credit. Are they worth your time and money? Find out here!

Credit Builder Card Alternatives

Credit builder cards may not always be the only option to build credit. Check out these useful credit builder card alternatives!

What are the best self-employed jobs in the UK?

The number of self employed jobs grew in 2020 in the UK. Learn what it means to be self employed and where the best opportunities for work are in 2022 here!

Beginner’s Guide to Building Credit the Right Way

Good credit is essential in order to make any major purchase in life: car, house, businesses, etc. Start building credit the right way, early. Here's how.

Are There Mortgage Lenders That Don't Need Credit Scores?

Obtaining approval for a mortgage loan can be stressful, especially with bad credit. Are there mortgage lenders that don’t need credit scores? Learn more here!

Affordable Housing in London: A Dream or Reality?

London is one of the greatest cities in the world. But is it still possible to live here on a tight budget? Learn more here!

What are Credit Reference Agencies

A credit reference agency stores financial data about you to help lenders decide your creditworthiness. Learn more about them here!

8 Tips to Get Your Credit Fixed in 2022

The new year is a perfect time to perform a credit fix and plan for a new year of finances. Learn 8 tips to get your credit fixed in 2022, here!

What is the Average Credit Score in the UK?

Do you know the average credit score in the UK? Start here if you’re planning to move to the UK and need to build credit.

Why Has My Equifax Score Changed?

Equifax has recently changed its credit score range, so your credit score will most likely have changed too! Instead of being out of 700, your Equifax credit score will now be out of 1000. Equifax still have the same credit score bands, it’s just the credit score “number” that’s different.

How Much Money Could You Save With An "Excellent" Credit Score?

Will a good credit score save you 50p? £500? £5,000? More? As a company, Pave is committed to building credit scores to help our customers save money. As part of this we want to show you what concrete differences a credit score can have on your life and finances. We did our own research which shows that the savings can amount to tens of thousands of £s over a lifetime.