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

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on a £300,000 mortgage

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

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Bills monitoring
We help you track and make your bill payments on time to protect and build your score
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Personalised credit fixes
We give you personalised actions to take to help improve your score fastest, with seven days a week expert support
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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.

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.
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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.
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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.
Your Payment History Has The Biggest Impact On Your Credit Score

PAVE is the first company that builds payment history just like a credit card, without a hard credit check or high interest and debt.

Am I A Candidate?
*Finding out only takes 15 seconds
Why are you trying to improve your credit score?

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

Do you have any credit history?

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

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.

How soon are you trying to improve your credit?
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Credit matters, and it's never too late to start repairing bad credit. PAVE makes it easy!
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