Build Credit
Building credit isn't a piece of cake. But 99%* of our customers with good credit habits improve their scores. Here's how:
Membership Benefits
and no hidden fees
7 days a week
more debt or credit cards
your credit score
How much could a good credit score save you in fees?
How does Pave credit building work?
Our Memberships
Join Pave and move yourself forward
Here’s what our users say
FAQ
Pave memberships help build your credit score using various tools. Neither of our memberships require a hard credit check, and may be useful if you are new to credit or looking to build your credit health.
Please note that Pave cannot guarantee to build your credit score with our memberships. You can find more information on when Pave might not be the best fit for you here. Read More...
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...
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...
We show your TransUnion credit score, and your Equifax credit score.
We’re working with TransUnion and Equifax as they’re two of the UK’s top Credit Reference Agencies, whose records are checked by some of the major UK banks and credit providers. Read More...