Pave - Build Credit

Pave helps you build credit the proper way. Say NO to credit card debt, hard credit checks, interest or APR and being sold more debt. Pave works with Experian, Equifax and TransUnion to build your credit score. Our credit builder works with you to improve your credit score every month and gives you personalised credit fixes so you can improve your score efficiently.

Pave Plus

Build your credit score with all major UK Credit Reference Agencies and track your TransUnion credit score in the app for £9/month.

How does Pave Plus work?

The Pave Plus credit builder helps:

- Your Experian score
- Your TransUnion score (shown in the Credit Karma app)
- Your Equifax score (shown in the Clearscore app)

Pave Plus gives you personalised monthly credit fixes and builds your credit score by sharing your positive on-time payment behaviour with Experian, Equifax and TransUnion. Your personalised credit fixes will refresh every month so you know exactly how you could improve your credit score. Subject to eligibility* we open a credit line that can top up your bank account with enough balance to pay recurring expenses on time. Paying your subscriptions and bills on time means you are using this credit line responsibly.

Pave Plus has a 12 month moneyback guarantee! If your credit score doesn't improve within 12 months, we will give you your money back. T&Cs apply - see paveapp.com.

Pave Lite

The TransUnion credit builder for £5/month.

Pave Lite builds your TransUnion score. You need to do is pay your membership fee on time. This improves your payment history which makes up the majority of credit score. Improving this helps you build your Experian credit score.

Please note that Pave cannot guarantee to build your credit score with our memberships. You can find more information on why Pave might not be the best fit for you in our website FAQs.

- See our FAQ's for information on eligibility and assessment criteria.

Reviews

"I love this app. When I first read the reviews, I wanted to try it. It was the best decision I've made. I needed to boost my credit score as I've recently moved to the UK. As you would imagine my credit score was very low but since using Pave for just a few months my credit score has improved a lot. Pave takes the fee out every month with no issues. I would recommend Pave to any and everybody. I wish I could give it more stars. Thank you so much Pave." - Zarah, Trustpilot

"My score has gone up 119 points! But guys... be patient. The app is super easy to use, and I personally find it really helpful. However.. there was no change to my score for the first 3 months. Then it jumped" - Mark - Trustpilot

"Pave - a holistic credit builder for modern workers" — Forbes

"My credit history improved a lot. My Credit score was very low and I was rejected for everything even a sim contract. After my membership with Pave my score starting increase within three months. Then I got a contract along with a mobile. After that, I got a credit card. Pave was very helpful and the fee of member is very low. I will advise you to try it. You will feel the difference within three months." Imran - Trustpilot

"At first I was a bit skeptical about the app and the things they claimed to do. So I waited 4 months to see the results. All I can say IT WAS TOTALLY WORTH IT. I will continue to use the app to keep a healthy credit score. Thank you guys." - Arnold - Trustpilot

Support

https://support.paveapp.com

Portify Limited (trading as Pave) is authorised and regulated by the Financial Conduct Authority (ref. 828125 and 826665), and is VAT registered (GB 279861932). Credit facilities are provided by Portify Financial Services Limited (ref. 922751), which is an Appointed Representative of Portify Limited (trading as Pave).