Pave - Build Credit

Pave Fintech Limited

About this app

Pave now offers 14 days totally for free! No commitment, cancel anytime. Check out our best features today!

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. We even reward you for paying your bills on time. Pave helps you build credit the proper way, without a hard credit check or long contracts.

Pave Plus

Build your credit score with all major UK Credit Reference Agencies and track your TransUnion and Experian credit score in the app for £9/month - free for the first two weeks!

The Pave Plus credit builder helps:

- Your Experian score
- Your TransUnion score (also shown on Credit Karma)
- Your Equifax score (also shown on ClearScore)

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.

Pave Plus is the only UK credit builder that lets you track both your TransUnion and Equifax credit scores in one app.

Pave also keeps you alerted for any upcoming bills that you are at risk of missing. Subject to eligibility* you may also be able to top up your bank account with our Bills Protection service that helps you pay part of eligible bills. See the FAQs section on our website for information on eligibility and assessment criteria.

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.

You also get access to Pave Rewards, with the chance to win cash prizes for paying your bills on time.

Pave Lite

Pave Lite works in a similar way to Pave Plus, but builds your score with only TransUnion for £5/month.

Please note that credit score building takes time, and 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.

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 199 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

"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 results. All I can say IT WAS TOTALLY WORTH IT. I will continue touse the app to keep a healthy credit score. Thank you guys." Arnold - Trustpilot

Support

https://support.paveapp.com

"Pave" is a trading name of Pave Fintech Limited. Pave Fintech Limited is authorised and regulated by the Financial Conduct Authority (ref. 828125 and 826665), and is VAT registered (GB 279861932). Lines of credit are provided with 0% APR (interest free). You must be 18 years or older to use Pave. Terms and conditions apply.

Ratings and reviews

Absolutely love this app. It was really difficult to establish myself in the UK, moving here just before the pandemic didn't help either. I heard about Portify from a friend and decided to try it. I definitely was sceptical at first but by the time I had made two payments, I was able to get catalogue credit. I just made my fourth payment today and have been approved for a "real" credit card from a major bank. I have only interacted with customer service a couple of times, not errors on their part, just general questions I had, and on both occasions the reps were polite, professional, and their answers were quick, clear and concise. Definitely worth the small monthly fee!

I honestly thought this app would be different from the other ones. But its honestly no different except they charge. One thing I was hoping would be very up to date records of credit utilisation and bank balances. But they are just as slow updating as the rest maybe even slower. I've got 5 credit apps that updated and shot up in points, and this one is still the same as when I started. Even though I've cleared all my debts, and reduced credit and upped my overall cash balance.

I have downloaded Portify to claim discounts for Deliveroo riders. I cannot claim the offer, the app doesn't show the voucher and I cannot contact help, my text messages are not getting delivered. I also cant connect it to my bank account (HSBC). The app asks me to fill in some information, but the fields' descriptions aren't clear. There are definitely some bugs that need fixing, especially contacting the customer support!

What's new

Hello wonderful credit score building friends! This release contains even more bug fixes, because nobody likes critters crawling around in their app. Wishing you a wonderful bug free day!