Take control of your credit health

Wollit is a credit health toolkit designed to strengthen your credit profile. For £9.99/month, you get access to powerful features:

• Rent Reporting: Turn rent you’re already paying into credit history, automatically reported to Experian and Equifax
• Affordability Boost: See what lenders see when they analyse your spending and get personalised tips to improve your approval chances
• Credit Smart: Master credit fundamentals with interactive courses that help you make smarter financial decisions
• Olli AI: Your personal AI credit assistant providing instant answers about UK credit, your account, and how to improve your score
• Credit Wins: Discover which everyday payments are already building your credit—and which opportunities you’re missing

You pay for Wollit through an interest-free loan of £119.88 that covers 12 months subscription, which you repay at £9.99 per month (you don’t receive cash, just access to all tools). This allows us to report your Wollit subscription payments to all 3 UK credit agencies (Experian, Equifax, TransUnion), which over time can help to strengthen your credit profile.

Wollit is unregulated credit and not regulated by the Financial Conduct Authority.

Wollit can be ideal if you’re looking to improve your financial health, strengthen your credit profile, or learn about how credit works in the UK.

It’s particularly suited for:

• People wanting to turn their rent payments into credit history
• Those building credit from scratch (new to UK, students, young adults)
• Anyone preparing for major credit applications (mortgages, loans, credit cards)
• People rebuilding their credit after past challenges
• Those who want to understand what lenders look for and how to improve

However, Wollit may not be suitable if you:

• Are currently in bankruptcy, an IVA, or a debt management plan
• Are regularly missing payments on existing credit commitments
• Cannot comfortably afford the £9.99 monthly payment
• Are struggling with existing debt

In these situations, taking on additional credit commitments could potentially harm your credit rather than help.

You’ll get instant access to all Wollit tools. Your subscription payments and rent payments will appear on your credit file within a few weeks and begin contributing to your credit history providing they are up to date. Results vary based on your starting credit situation, but consistency is key.

Yes. You can cancel your Wollit subscription at any time with no penalties or fees. Your subscription will continue until the end of your current billing period, and you won’t be charged again. The credit history you’ve already built remains on your credit file even after cancelling.