★★★★★
“My scores went from dreadfully low (less than 300) to over 550 with all 3 agencies.”Mark Curry · Trustpilot
Rejected or starting from scratch?
Give lenders a reason to say yes.
Many rejections come down to a thin credit file. Wollit reports your rent and your Wollit payments to the UK credit agencies every month, building the payment history lenders look for.
£9.99/month · No credit check · 14-day money-back guarantee
Sign-up was super quick and easy... I’ve now just left it in the background doing its thing.
Build your credit with
★★★★★4.6 · Excellenton Trustpilot
Trusted across the UK350,000+registered users
Real customer stories
Real people. Real reasons to start.
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These are individual customer experiences, not guaranteed outcomes. Credit scores depend on many factors and results vary.
Why payment history matters
Wollit turns the payments you already make into a credit record lenders can check.
Showing lenders you pay on time can improve your chances of getting credit. Wollit adds that proof to the credit file lenders check.
How it works
Set up once. We report every month.
Connect the bank account you pay rent from. It takes a few minutes.
We report your rent to Experian and Equifax, and your £9.99 Wollit payment to all three agencies. No changes to how you pay. Your landlord doesn’t need to sign off.
Up to five on-time records a month, up to 60 a year, added across the agencies.
Automatic reportingWorking in the background
ActiveUp to 5 records a month× 12 months
Up to60
on-time recordsadded across the credit agencies
Reported every month to
Based on five on-time records each month.
Results are not guaranteed. Lenders also consider what you can afford, your income, debts and their own rules.
What your payment does
Each on-time payment adds to your credit history.
Reported every month to
12monthly payments
Total cost£119.88for 12 months
You pay£9.99each month
Paid using interest-free credit.
01No cash is paid to you
You do not receive the £119.88 as cash.
02Results vary
Your result depends on the rest of your finances.
03Missed payments matter
Missed payments can appear on your credit file.
The toolkit
More ways Wollit helps you get credit-ready.
Everything here is included with Wollit.
Affordability Boost
See what lenders see before you apply.
Connect your bank. Wollit checks the income and spending patterns lenders may care about, then shows what looks healthy and what may need attention.
Before you start
The questions worth asking.
Will joining Wollit affect my credit score?
There is no credit check when you join. Wollit will appear on your credit file as a £119.88 loan, and opening a new credit account can cause a small, temporary dip in your score. On-time payments add to your payment history; missed payments may also appear. A better score or access to credit is not guaranteed.
Why does my Wollit payment build credit history?
Your annual Wollit subscription is paid for through a £119.88 interest-free loan, repaid as twelve monthly payments of £9.99. We report the agreement and each monthly payment to Experian, Equifax and TransUnion. You don’t receive £119.88 in cash; it pays for your year of Wollit.
When will my payments appear on my credit file?
First reports usually reach the credit agencies within a few weeks. After that, we report each month, provided your Wollit payment is up to date and any rent payment is verified. The time it takes to appear on each agency’s report can vary, and credit score changes are not guaranteed.
Do I need to rent to use Wollit?
No. Your Wollit payments can be reported to all three credit agencies whether or not you rent. If you do rent, you can also connect the bank account you pay rent from and have eligible rent reported to Experian and Equifax.
How does rent reporting work, and does my landlord need to be involved?
Connect the personal UK bank account you pay rent from. Wollit checks for the rent payment you tell us about and reports verified payments to Experian and Equifax. You keep paying as usual and your landlord does not need to sign anything. If we cannot verify a payment, we do not report it or treat it as missed.
Can I cancel, and how does the 14-day money-back guarantee work?
Cancel within 14 days and we’ll refund any monthly payments, end the agreement and take nothing more. After 14 days, you can still cancel in the app. You’ll have nothing further to pay and, if your payments are up to date, we’ll report the account as settled. If you’re behind, it may be reported as partially settled. Cancelling early may not have the same positive impact as completing the twelve months.
Who can use Wollit, and when might it not be suitable?
You must be 18 or over, live in the UK and have a personal UK bank account. Do not continue if you’ve had a CCJ in the past year; you’re struggling with debt or worried about making payments; or you’re in bankruptcy, an IVA or a debt management plan, or have been in the past twelve months. MoneyHelper and StepChange offer free support.
Why start now
Your credit history takes time. Start building it today.
The longer your record of paying on time, the more lenders have to go on. Set up Wollit once and let that history grow in the background.
One fixed price
£9.99/ month
No credit check · 14-day money-back guarantee
Start building my credit£119.88 total for 12 months. Paid as twelve £9.99 monthly payments through unregulated interest-free credit. Cancel anytime; cancelling early settles the account. Terms apply.