The Blog

What is Debt Consolidation and Will it Affect My Credit Score?

Debt consolidation is one technique for debt management. Learn more to see how it can impact your credit score in this blog from Pave.

Does Opening a Bank Account Affect Your Credit Score?

Opening a bank account can provide you with a lot of benefits, but does doing so come with any drawbacks for your credit score? Keep reading to find out.

What is the Bank of England Base Rate and How Does It Affect Me?

Does the news about rising interest rates have you concerned or confused? Keep reading to learn what the Bank of England base rate rise might mean for you.

July 1, 2022

What Happens If I Can’t Pay My Overdraft in the UK?

Overdrafts are common in the UK, but do you really know what the consequences of an overdrawn account are? Keep reading to learn more.

June 27, 2022

How to Get Out of Debt in the UK

Getting out of debt isn’t always easy and can take a bit of time; however, it is possible to overcome it by taking the right actions and developing proper financial habits. In this guide, we will provide a comprehensive overview of getting out of debt, including common methods of paying off debt, habits that can prevent you from accumulating more debt, and more.

How Different Types of Interest Impact Your Credit

Understanding the different types of interest can be confusing. In this post, we share simple explanations & examples so you can confidently build credit.

June 15, 2022

What Is a Guarantor and When Do You Need One?

If you’re renting for the first time, you may be required to have a guarantor. Learn what a guarantor is and when you need one here.

May 26, 2022

BNPL Meaning: Explanation and Guide

BNPL Meaning: BNPL stands for buy now, pay later. Read more to learn about how BNPL works and how it impacts your credit.

If I Can’t Pay Off My Credit Cards in the UK What Will Happen?

Find out will happen if you can’t pay off your credit cards & how you can start rebuilding your credit today!

What is Representative APR and Why is My APR Higher?

Credit card interest rates in the UK are much higher than other types of loans. Why is my APR so high? Learn more here!

What is a Good APR for a Credit Card in the UK?

Your APR determines how much interest your credit card charges accumulate. Read more to learn what a good APR is and why you shouldn’t carry a balance.

How to Start Building Credit at 18?

Did you know that you’re eligible to start building credit once you turn 18 years old? Here are some top tips and tricks to start early and gradually build a strong credit score.

Pros and Cons of Supermarket Credit Cards

Sainsbury’s and Tesco both offer credit cards - but which is better, and should you use either to build your credit score? Read more to make an informed decision.

What’s the Difference Between Buy Now Pay Later Catalogues and Klarna?

BNPL is becoming increasingly popular. Read more to find out the difference between BNPL catalogues and BNPL schemes like Klarna.

I Need a Loan but Keep Getting Declined: All About Refused Credit

Been refused credit? We feel your pain. Read more to learn about declined lines of credit, and how to avoid this in the future.

How to Use a Credit Card Wisely

Credit cards can be intimidating, but with the right habits, you can use them to effectively build your credit score. Read our tips and tricks here.

Pave Survey: Financial Concerns over BNPL

Pave surveyed over 1,000 UK consumers to find that 60% of BNPL customers are worried about the impact on their credit score as product begins to show on credit reports.

BNPL Cards vs. Traditional Credit Cards: What’s the Difference?

Buy now, pay later cards are gaining popularity in the UK. Learn more about the differences between BNPL cards and traditional credit cards here!

Does Universal Credit Affect Your Credit Score?

Read more to learn the effect of Universal Credit on your credit score. Also find out the 5 quick ways to improve your credit rating.

Calling all Students and Grads: Engage With Your Finances and Credit Scores Now!

Students and grads, here are 5 quick reasons why finances and credit scores should be at the top of your priority list in 2022!

All About Credit: For Students and Graduates

Building credit isn’t a piece of cake! Here's a short guide to understanding and improving your credit score as a student and graduate.

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?

A default is what happens when you fail to make the repayments on a debt. Learn more here.

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 the most effective ways to save money for 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 more.

Credit Builder Card Alternatives, Tips & Tricks

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?

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 this 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! Read more here.

'How Much Money Could You Save With An "Excellent" Credit Score? (2021)

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.

What is Representative APR and Why is My APR Higher?

Credit card interest rates in the UK are much higher than other types of loans. Why is my APR so high? Learn more here!

What is a Good APR for a Credit Card in the UK?

Your APR determines how much interest your credit card charges accumulate. Read more to learn what a good APR is and why you shouldn’t carry a balance.

I Need a Loan but Keep Getting Declined: All About Refused Credit

Been refused credit? We feel your pain. Read more to learn about declined lines of credit, and how to avoid this in the future.

BNPL Cards vs. Traditional Credit Cards: What’s the Difference?

Buy now, pay later cards are gaining popularity in the UK. Learn more about the differences between BNPL cards and traditional credit cards here!

Does Universal Credit Affect Your Credit Score?

Read more to learn the effect of Universal Credit on your credit score. Also find out the 5 quick ways to improve your credit rating.

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.

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!

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.

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 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.

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 to Repair Credit in the UK

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

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.

What are Credit Reference Agencies

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

'How Much Money Could You Save With An "Excellent" Credit Score? (2021)

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.

Does Opening a Bank Account Affect Your Credit Score?

Opening a bank account can provide you with a lot of benefits, but does doing so come with any drawbacks for your credit score? Keep reading to find out.

What is the Bank of England Base Rate and How Does It Affect Me?

Does the news about rising interest rates have you concerned or confused? Keep reading to learn what the Bank of England base rate rise might mean for you.

How Different Types of Interest Impact Your Credit

Understanding the different types of interest can be confusing. In this post, we share simple explanations & examples so you can confidently build credit.

BNPL Meaning: Explanation and Guide

BNPL Meaning: BNPL stands for buy now, pay later. Read more to learn about how BNPL works and how it impacts your credit.

What’s the Difference Between Buy Now Pay Later Catalogues and Klarna?

BNPL is becoming increasingly popular. Read more to find out the difference between BNPL catalogues and BNPL schemes like Klarna.

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.

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?

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.

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 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!

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.

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!

What is Debt Consolidation and Will it Affect My Credit Score?

Debt consolidation is one technique for debt management. Learn more to see how it can impact your credit score in this blog from Pave.

How to Get Out of Debt in the UK

If I Can’t Pay Off My Credit Cards in the UK What Will Happen?

Find out will happen if you can’t pay off your credit cards & how you can start rebuilding your credit today!

What is a Default?

A default is what happens when you fail to make the repayments on a debt. Learn more here.

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 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!

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!

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.

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 the most effective ways to save money for 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!

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.

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!

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?

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!

How to Start Building Credit at 18?

Did you know that you’re eligible to start building credit once you turn 18 years old? Here are some top tips and tricks to start early and gradually build a strong credit score.

Calling all Students and Grads: Engage With Your Finances and Credit Scores Now!

Students and grads, here are 5 quick reasons why finances and credit scores should be at the top of your priority list in 2022!

All About Credit: For Students and Graduates

Building credit isn’t a piece of cake! Here's a short guide to understanding and improving your credit score as a student and graduate.

Pros and Cons of Supermarket Credit Cards

Sainsbury’s and Tesco both offer credit cards - but which is better, and should you use either to build your credit score? Read more to make an informed decision.

How to Use a Credit Card Wisely

Credit cards can be intimidating, but with the right habits, you can use them to effectively build your credit score. Read our tips and tricks here.

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.

Credit Builder Card Alternatives, Tips & Tricks

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

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!

Pave Survey: Financial Concerns over BNPL

Pave surveyed over 1,000 UK consumers to find that 60% of BNPL customers are worried about the impact on their credit score as product begins to show on credit reports.

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.