Everyone can have a great credit score!

In the UK, your credit score is a number that reflects how trustworthy you are with money. It's important because it affects many aspects of your financial life. When you want to borrow money, like getting a loan or a credit card, banks and lenders look at your credit score to decide if they can trust you to pay it back. If your score is higher, they're more likely to say yes and might even give you better interest rates, which means you'll pay less money overall.

Your credit score also matters when you're looking for a place to live, as landlords check it to see if you're reliable with bills. Having a good credit score can make things like getting a mobile phone contract or setting up utilities in your home easier and cheaper. So, taking care of your credit score is like taking care of your financial reputation – it helps you get better deals and more opportunities!

Our Credit Builder Account helps you build your credit score. Each time you make a payment we report this to the credit reference agencies which positively impacts your score in the same way a loan or credit card payment would.

We also scan your credit report and create a personalised action plan telling you the key things which you need to do to improve your score. Other features include: full access to your credit score so you can track your progress; ability for tenants to use their rent payments towards their score; access to a personal Credit Coach. Credito is the UK’s highest-rated credit improvement app on Trustpilot.