Wollit Credit Builder - Get the credit score you deserve

Your path to financial freedom starts here

Get started in minutes, see results in months

Join Wollit today

Quick Setup: Get started for just £9.99/month. No credit check, no stress, and a 14-day money-back guarantee.

We build your credit automatically

We report your payments to all major credit agencies building your credit history - the key to unlocking a better credit score.

Watch Your Credit Grow

Track your progress. Better credit means more approvals, lower rates, and financial freedom.

Rated ’Excellent’ by our customers

Join the thousands who have transformed their credit with Wollit

Start building my credit now

Everything you need to build better credit

Turn rent into credit power

Transform your largest monthly expense into a powerful credit-building tool with our Rent Reporting service.

Discover what lenders see

When they analyse your bank account and what you can do to increase your chances of approval.

Expert advice for better credit

Get tailored tips on small actions that make a big impact on your credit file and how to do them easily.

Unlock the benefits of a better credit score with Wollit

Lower interest rates

A jump in your credit score band can mean saving up to £30,000 for a 25-year £300,000 mortgage.

Pass credit checks

Having Wollit on your credit file can help you pass credit checks for loans, rent and mortgages.

Credit card rewards

Long 0% interest periods on purchases, airline miles, and cashback are only available if you have good credit.

Higher credit limits

With a good credit score, you are more likely to be offered higher credit limits on credit cards and loans.

Lower deposits

A good credit score can eliminate the need for large deposits when renting or getting a new utilities account.

Better paid jobs

Certain employers, especially in finance, may check credit scores as part of their hiring process.

“I am blown away by the results”

I've been using Wollit for a few months now and I am blown away by the results. My credit score has improved so much and I couldn't be happier

By Philip

Wollit can be perfect for you if...

You’re new to the UK and need to build your credit from scratch

You’re a student ready for your first credit card or loan

You’ve been refused for credit and want to boost your approval odds

You’re stuck with high interest rates and want to lower your costs

You’re planning to buy a home and need to strengthen your credit

You’re renting and want to get credit for paying your rent

Wollit might not be the best choice for you if you have recent CCJs, are struggling with existing debt or bill payments, or if you’re going through bankruptcy, IVA or similar, as lenders may still not lend to you even if your credit score improves.

Build credit on a budget

From just £9.99 a month

Monthly subscription builds your credit
Reports to all major UK credit agencies
No hidden fees or extra charges
Flexibility to cancel anytime

Have questions? Start here

What is Wollit Credit Builder?

Wollit Credit Builder is a powerful tool designed to help you build and improve your credit score. It offers personalised plans tailored to your unique financial situation, whether you're new to the UK, looking to recover from credit rejections, planning to buy a home, or aiming to save money through better credit. Wollit is designed to help you establish a strong credit history, increase your creditworthiness, and unlock access to better financial opportunities.

How does Wollit Credit Builder work?

Wollit Credit Builder is a 12-month credit building plan that you buy on credit and pay off in 12 monthly payments. Once you've chosen a plan, you'll enter into an interest-free loan agreement with us to cover the total cost of it. We'll report this agreement, and your monthly payments, to all major UK credit agencies (Experian, Equifax and Transunion). This builds your positive credit history - the #1 factor affecting your credit score. Your plan also includes a wealth of tools and features to help accelerate your credit-building success.

Is Wollit Credit Builder right for me?

Wollit can be a good choice for people looking to build credit. It can be especially helpful if you:

Haven’t had much credit before and need to show you can handle it.
Want to improve your credit history for something big, like getting a house.
Have slipped up with credit in the past and are trying to fix it.

If you’re going through bankruptcy, IVA or similar, have recent CCJs, or are struggling with existing debt or bill payments, Wollit might not be the best choice for you as lenders may still not lend to you even if your credit score improves. If you are using Wollit to improve your credit score but you end your plan early, you could end up with a lower credit score than you started with.

How soon could my credit score increase?

Credit building takes time and consistent financial habits. Some people see improvements in only a few months, but it can take much longer for others. To get the best results you should complete your plan in full.

Is my credit score guaranteed to increase?

Wollit seeks to help improve your credit score. We can’t guarantee your credit score will improve, nor can we guarantee how long it will take to see any improvement, as this depends upon a variety of other factors, such as your management of other financial commitments, which are outside of our control.

Why can I trust Wollit?

Wollit helps thousands of people across the UK build credit. We report to all major credit agencies, are backed by a global bank and are rated Excellent by our customers on TrustPilot.