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
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.
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.