Build Your Credit Score
The Proper Way

Pave is the award winning credit building app. Build your credit score with all 3 credit referencing agencies in the UK (TransUnion, Experian and Equifax), so you could save thousands of £££ on interest payments.
*Results may vary, see paveapp.com for details
Take a quiz to find out if PAVE can help building your credit score
Take the Quiz
*Finding out only takes 15 seconds
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
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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

Don't think a better credit score will change anything?
Just a 30 point increase can save you:

£20,000+
on a £300,000 mortgage
Research conducted in Feb 2021 by Pave assuming an increase from a “fair” to “excellent” credit score.

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.

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

FAQ

How does Pave build my credit score?
Is Pave safe?
What is my credit score?
What credit score does the Pave app show?
Why are you trying to improve your credit score?

Something must have brought you here, besides our creative advertising. Just saying.

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.
Do you have any credit history?

Most people have some credit history, although immigrants and people from rural communities sometimes don't have any.

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.

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.

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

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.

What about your credit score,
how is it?

The average Experian credit score in the UK is 759, but only 68% of people even know what their score is.

Hear this out

40% of people in the UK believe it is getting harder to move up in society.

Our financial system doesn’t make it easy. It likes to push you into more debt instead of offering products that keep your finances healthy.

Pave is here to change this. Not everything has to be about selling you more debt.  There is a better way to build credit if you've never had credit or have imperfect credit.

We offer a simple product with a single membership fee and no hard credit checks.  Instead of selling you more debt, we help you take the best actions for your credit health and pay your bills on time.

We exist to put a stop to the financial inequality that is spreading in our society. We are doing this by building the world’s best credit builder.

Our backing

We are proud to be backed by investors who share our values, including early backers of N26 and the founders of Monzo and Indeed.

How soon are you trying to improve your credit?

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
Score improvement guarantee
for Plus members*
Award winning product
with top reviews
Finally, do any of these apply to you?
CCJ
IVA
I've Defaulted
We're sorry!
If any of the above apply to you, using Pave to build your credit score is not a good idea. This is because even if you build your credit score, many lenders may not extend credit to you on the basis of you having such markers on your credit file.
Learn more about credit score
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