Build your credit score every month

Meet Wollit, the smart new way to build your credit score. All credit agencies. Guaranteed approval. No credit checks.

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4.6 rating on App Store

Improving your credit scores with

Build your credit history

Build a positive payment history, the single most important factor in increasing your credit score

Improve your affordability

Identify areas you need to work on to increase your chances of being approved for credit cards and loans

Get expert credit fixes

Learn how to influence and maintain a strong credit score over time

People who use Wollit, love it

Fantastic service. My credit score has gone up after a few months, service has been fantastic, can't recommend enough!

Daniel Worthington

Really impressed. I haven’t got the best credit score but it’s gone up 100 points in a week and was able to get an advance when I needed it! Thanks Wollit :)


Excellent product and service. My credit building has really helped, and the customer service was excellent!

Alex Huntley

Great Service, fast and efficient. Everything is clean and straightforward.

Trustpilot, November 2021

Smooth experience simple and easy to use app highly recommend.

Nathan Thomas
Trustpilot, October 2021

Very efficient and easy to navigate. Very good app to use.

Trustpilot, September 2021

Why Wollit?

Reporting to all 3 UK credit agencies

Get started right now from your phone

Guaranteed approval No credit checks

Backed by one of the world's largest banks

Authorised and regulated in the UK

Data secured with 256-bit encryption

Have questions?

 What is Wollit Credit Score Builder?

Wollit Credit Score Builder is a collection of credit building tools designed to increase your credit score and unlock your financial power.

We improve your credit in three main ways. We build your positive payment history, the single most important factor affecting your credit score. We help you improve your affordability profile, so lenders are more likely to say yes to you. And we show you how to influence and maintain your strong credit score over time.

How does Wollit credit building work?

Wollit Credit Score Builder is a 12-month plan that you buy on credit and pay off in 12 interest-free monthly instalments. We do things this way so we can report your monthly payments to the credit agencies as loan repayments. This builds your positive payment history, which is the single most important factor affecting your credit score.

You can choose to renew your plan annually for long-term credit building.

Does Wollit report to all major credit agencies?

Yes, we report to all major UK credit agencies.

Experian, Equifax and TransUnion

How quickly will my credit score increase?

Some members see an impact after only a few weeks. If, as well as using Wollit, you’re consistently following financial best practices - such as paying your bills and expenses on time - you should start to see an impact within a few months.

Is my credit score guaranteed to increase?

Because there are many factors that affect your credit score, we can't guarantee your score will increase. However, using Wollit consistently over time will build your payment history, which is the single largest factor impacting your credit score.

Do I need to pass a credit check?

No, we don’t do a credit check on you. We are here to help you increase your credit score and unlock your financial power. We don’t check your score, just help you build it.

Can anyone build credit with Wollit?

Whilst Wollit Credit Builder is available to all, like any credit product, a credit score building product like Wollit's comes with risk, and may not be the best fit for you.

If you do not pay your Wollit membership fees on time or repay any credit we extend to you on time, Wollit may harm rather than build your credit score.

Furthermore, there are circumstances where using Wollit may improve your score, but may still not deliver the results you are looking for.

This is because many lenders may not extend credit to you on the basis of you having negative markers on your credit file, despite you now building a positive payment history. These negative markers can include:

An active or recent CCJ
Being on an IVA or debt management programme
Going through a bankruptcy
Being late or missing repayments on other credit accounts

If any of the above apply to you, please consider carefully whether Wollit Credit Building is right for you.

Why can I trust Wollit?

We have helped thousands of people across the UK improve their credit scores and unlock their financial power. We are authorised and regulated in the UK, recognised by all major UK credit agencies, and have received investment funding from top technology investors and one of the world’s largest banks.

Download Wollit Now

Improve your credit score and unlock your Affordability Score

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4.6 rating on App Store