Pave Plus: The Proper Path to Good credit

Build your credit score
with all major UK Credit Agencies

Your Pave Plus Service

Active credit building

We build your credit health by sharing your use of the Pave app with credit bureaus

Build your payment history

By reporting your positive payment behaviour, Pave is improving your payment history.

Habit building

Pave will alert you to priority bills and can even extend you credit to make sure they are paid on time.

Improve your credit utilisation

Your credit utilisation is one of the most important factors in your credit score.

Prioritised monthly credit fixes

We give you a list of personalised priority credit fixes, every month

12 month moneyback guarantee

We are so confident that Pave works that we will give you your money back if it doesn't. T&Cs apply

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

Pave Plus Terms & Conditions

Under the Credit Guarantee, if the credit score show in the Portify app is not higher than it was when you initially subscribed, 12 calendar months after your subscription started, Portify will refund the full 12 months of your Portify Plus membership fees, subject to the following conditions:

   • Your Portify Plus membership started on or after 24 January 2022;
   • You must take the actions shown in the Portify app on managing your utilisation and credit payments;
   • You must pay your subscription fee consistently and on time for the entirety of the 12 months;
   • You must not accrue any new defaults, country court judgements (CCJs), individual voluntary arrangements (IVAs) or public information records;
   • You have been on the electoral register at your current address for 3 months before claiming;
   • You have not opened a new credit account in the 3 months before claiming.

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...

How long does it take to learn Webflow?

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...