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The Proper Path to Good Credit

The Proper Path to
Good Credit
Shake Up Your
Credit Building
Shake Up Your
Credit Building
Join the hundreds of thousands building credit with Pave. Open your account in less than 3 minutes!
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Iphone mockup with a credit score of 623 being shownAward icon for Pave, for BEST NEW PERSONAL FINANCE APP

Building credit isn't a piece of cake.
But over 90%* of our customers improve their scores. Here's how.

Bills monitoring
We help you track and make your bill payments on time to protect and build your score
Personalised credit fixes
We give you personalised actions to take to help improve your score fastest, with seven days a week expert support
Active credit building
We share your credit utilisation and payment history with credit bureaus to actively build your credit score
*Represents Pave Plus customers that have been with Pave for at least 6 months and taken all actions listed in the Pave app and did not add any negative markers to their credit file.  Pave cannot guarantee an increase in credit score and results can vary

What makes our solution better

0% APR
£0 hidden fees
Credit expert support
7 days a week
No hard credit checks
No trying to sell you
more debt or credit cards
Moneyback guarantee
for Plus members*
Award winning product
with top reviews
*T&Cs apply. See here

Find out how much a better credit score could save you. 

Try our savings calculator
Research conducted in March 2022 by Pave assuming an increase from 600 to 700 point Experian credit score. More information can be found here.

Why is Pave effective at building credit?

Gives you efficient credit fixes
We analyse your credit file and give you personalised credit fixes. Actions unique to you that are designed to help you improve your credit score in the most efficient way.
Helps you pay bills on time
We connect to your bank accounts and keep track of your bills. We remind you when they are coming up and let you know if you'll have enough money to pay them.
Improves your credit usage
Your credit usage makes up 30% of your credit score. Pave helps improve your usage by opening a credit line for you, subject to eligibility.
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.

Find out how much a better credit score could save you. 

Try our savings calculator
Research conducted in March 2022 by Pave assuming an increase from 600 to 700 point Experian credit score. More information can be found here.

Our Memberships

Credit Spotlight
£3
ONE OFF
Check if our Plus membership could build your score
Identify the best fixes for your score
See how our Plus membership could help you build credit
No hard credit check
LITE
£5
MONTHLY
Our entry level plan
Build your score with TransUnion
Bill alerts to protect your score
Text based support seven days a week
Track your TransUnion credit score
No hard credit check
PLUS
£9
MONTHLY
Our quickest improvement plan
Build your score fastest with prioritised credit fixes
Build your score with TransUnion, Experian and Equifax for best coverage
Money back after 12 months if your score doesn’t improve - full terms here
Text based support from a Credit Specialist seven days a week
Bill alerts to protect your score
Track your TransUnion credit score
No hard credit check
Note: If you have had a CCJ, IVA or Bankruptcy in the past 12 months, Pave may not be able to help.

Join the Pave Party

More than 300,000 people are using Pave.
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Android Download the PAve App image

Here’s what our users say

Pave reviews from Trustpilot. A badge with a score of "Excellent". 4.5/5

FAQ

How does Pave build my credit score?

Pave can build your credit score in three ways. None of these require a hard credit check, and can help if you are new to credit or looking to build your credit.

Free: After you connect a bank account, we scan your account for recurring subscriptions and bills. We then send smart alerts to encourage on-time payments of your recurring expenses. This shows you can repay expenses on time and in full, and can help build your credit score. Read More...

Is Pave safe?

Portify/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...

What 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 Read More...

What credit score does the Pave app show?

We show your TransUnion credit score.

We’re working with TransUnion as they’re one of the UK’s top Credit Reference Agencies, whose records are checked by some of the major UK banks and credit providers. Read More...

How does Pave get my credit file information?

Pave can build your credit score in three ways. None of these require a hard credit check, and can help if you are new to credit or looking to build your credit.

Free: After you connect a bank account, we scan your account for recurring subscriptions and bills. We then send smart alerts to encourage on-time payments of your recurring expenses. This shows you can repay expenses on time and in full, and can help build your credit score. Read More...