Pave Lite: The Proper Path to Good Credit

Build your credit score with TransUnion

Build your payment history
By reporting your positive payment behaviour, Pave is automatically improving your payment history.
Improve your credit utilisation
Your credit utilisation is one of the most important factors in your credit score.
Automatic credit building
We share your credit utilisation and payment history with credit bureaus to actively build your credit score
Prioritised monthly credit fixes
We give you personalised actions to improve your score fastest, and keep you updated every month

Your Pave Lite Service

See & track your
credit score

You’ll be able to see your credit score, an indicator of your creditworthiness from TransUnion.

Monthly credit file
analysis

Your credit file will be assessed and you’ll get a 360 summary of how lenders see you, every month.

Credit score impact
predictions

We will tell you how many points each action you can take would increase your credit score by. That way you know what you are doing will have a positive impact.

Note: If you have had a CCJ, IVA or Bankruptcy in the past 12 months, Pave may not be able to help.

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?

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...

What is 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...

What credit score does the Pave app show?

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...

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...