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Join thousands of people across the UK building credit from just £9/month with Wollit

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Improvements to your credit score are not guaranteed

Build credit history

The single most important factor affecting your credit score

Improve affordability

To increase your chances of being approved for credit cards and loans

Rent Reporting

Use your rent payments to boost your credit profile even more

Why Wollit?

Reporting to all major UK credit agencies

Get started right now from your phone

Guaranteed approval. No credit checks

Backed by one of the world's largest banks

Hassle-free instant setup

Data secured with 256-bit encryption

Have questions?

 What is Wollit Credit Builder?

Wollit Credit Builder is a collection of credit building tools designed to help you build credit and unlock your financial power.

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 interest-free monthly payments. We report your monthly payments to the credit agencies as loan repayments. This builds your positive credit history, which is the single most important factor affecting your credit score.

Wollit's Credit Builder Service is structured as an exempt credit agreement and is unregulated, and this means you will not, as a consumer, have protections that typically come with a (Consumer Credit Act) regulated product.

Does Wollit report to all major credit agencies?

Yes, we report to all major UK credit agencies.

Experian, Equifax and TransUnion

Is my credit score guaranteed to increase?

Wollit is set up to be a positive force on your credit score by building your credit history every month. But, because many factors outside our control also affect your credit score, such as your management of other financial commitments, we can’t guarantee your credit score will increase or how long that may take.

Do I need to pass a credit check?

No, you don't need to pass a credit check. We are here to help you build your credit. We don’t check your score, just help you build it.

Can anyone build credit with Wollit?

Wollit offers tools, features, and information that can benefit everyone. However, like any credit product, Wollit's comes with risk, and depending on your reasons for using Wollit, there are some circumstances where Wollit may not be the best choice for you.

For example, if you are using the Credit Builder Service to help improve your credit score but you end your plan early, you could end up with a lower credit score than you started with. Another example is if your primary goal of using Wollit is to secure new credit, but you have certain markers on your credit file. In this situation lenders may still not lend to you even if Wollit helps improve your credit score.

These markers include:

- Going through bankruptcy
- Being subject to an IVA or debt management plan in the last 12 months
- Having any late debt or bill payments
- Having one or more CCJs in the last 12 months

If any of these markers apply to you and your main goal in using Wollit is to get new credit, please think carefully about whether Wollit is the right choice for you.

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