Best Credit Access Platform 2025

Take control of your credit

Your complete credit health toolkit. No credit check required. Just £9.99/month.

Turn rent into credit history
Find hidden credit opportunities
Get 24/7 AI credit guidance

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Your complete credit toolkit — all features included.

Setting you up for success

Our goal is to help you build credit, but we recommend you do not continue if:

You've had a County Court Judgment (CCJ) in the past year
You're struggling with debt or worried about keeping up with payments
You're in bankruptcy, an IVA, or a debt management plan (or have been in the past 12 months)

Need free support? You can get help at MoneyHelper or StepChange

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Real people building credit health

From Skeptic to Super Fan

I was very skeptical... But in just 3 months I have seen a huge positive improvement in my credit scores with all 3 credit reference agencies - from less than 300 to over 550/650. The turn around has been remarkable. It really does work.

Mark Curry

Equifax score up 155 points in 48 hours

My Experian report shows 999 EXCELLENT. I thought Wollit was a wind up. HOWEVER in literally 48 hours my Equifax score has gone up by 155 points! Wollit is a MUST HAVE.

Alex

Score climbed 250 points in two months

If you're renting, get this app. My score has climbed 250 points in two months simply from reporting rent payments. Why didn't I do this sooner? It's no scam, more than worth the monthly fee.

Chris Sharp

I'm 46 and never had credit before

I had a very low credit score as I never had credit before... Within 12 hours Wollit picked it up and sent it to the credit agency. They are amazing and wish I'd done it sooner.

Adam Watson

Score went from 0 to accepted for a credit card

Bad choices in my past had left my credit score at 0. 2 months in and my score has gone up 100 points and I have just been accepted for a credit card! It's honestly the best £9 a month I've spent!

Nikita Bason

I was dubious at first

I have to say I was a little dubious at first but having started with Wollit back in July it has helped improve my credit score quite a lot. I thoroughly recommend using this service.

Elizabeth Dunlap

Life changing for my financial journey

Starting out with a very bad credit score, within the past month it has increased extremely giving me access to credit and more offers. I would recommend Wollit to anyone.

Nakita Quarrie

Rapid Improvement

My credit went up 90+ points in 2 months. Incredible progress!

Shaun Bucknor

Score gone up 83 points in 3 months

I've been with them for 3 months, my score gone up 83 pts so it does work. I'm gonna keep using it.

Jane Squires

Much better credit card offers now

Before Wollit I was only being offered credit cards with really rubbish interest rates and low credit limits but now I'm getting much better offers. I really can't recommend Wollit enough!

Jess Lever

From rock bottom to accessing credit

When I started my credit rating was rock bottom but with the help of Wollit I was able to get it back to normal and access lines of credit - something I was not able to do before.

Claudius Chipungu

Now applying for mortgages

I've been using Wollit for a while now to build up my credit rating so that I can apply for a mortgage and it's really helped me. I'm now at the stage that I'm applying for mortgages.

Sam Battles

Experian went from 560 to over 700

It takes maybe three or four months but you need to persevere and you will see the benefit. My credit score went from 560 to over 700 in this time period.

Ikramul Haq

Using Wollit for nearly 2 years

My credit history improved very well. Wollit is a good credit building app for people with no credit history or bad credit... Worth it for money.

Charmin Balasingam

Score up 163 points after 3 months

After seeing no changes initially, I can confirm after 3 months my score has gone up by 120 then a further 43 points. I'm happy with the progress.

Ashante Ekanga

Couldn't recommend them highly enough

I'm so grateful to have found Wollit when I did. What really set Wollit apart was the level of personal support I received. Any time I had questions, I could simply reach out for help.

Jacqueline Shaw

Wish I knew about this years ago

Quick & easy to set up. Wish I knew about this years ago!

Sarah

How wrong was I

Never did I think this would do me any good - how wrong was I. It's helped me a great deal. I'm now feeling better about my credit score.

Mr Clifford Sirrell

Helps improve your score fast

Brilliant company, helps improve your score fast! And for £9 a month, it's really worth it. The rent reporting section enables me to build my score further.

Kelsey

For people who've ballsed up their credit

Great service! Highly recommended for people who've ballsed up their credit.

Elliot Davies

From Skeptic to Super Fan

Mark Curry

Equifax score up 155 points in 48 hours

My Experian report shows 999 EXCELLENT. I thought Wollit was a wind up. HOWEVER in literally 48 hours my Equifax score has gone up by 155 points! Wollit is a MUST HAVE.

Alex

Score climbed 250 points in two months

If you're renting, get this app. My score has climbed 250 points in two months simply from reporting rent payments. Why didn't I do this sooner? It's no scam, more than worth the monthly fee.

Chris Sharp

I'm 46 and never had credit before

I had a very low credit score as I never had credit before... Within 12 hours Wollit picked it up and sent it to the credit agency. They are amazing and wish I'd done it sooner.

Adam Watson

Score went from 0 to accepted for a credit card

Bad choices in my past had left my credit score at 0. 2 months in and my score has gone up 100 points and I have just been accepted for a credit card! It's honestly the best £9 a month I've spent!

Nikita Bason

I was dubious at first

I have to say I was a little dubious at first but having started with Wollit back in July it has helped improve my credit score quite a lot. I thoroughly recommend using this service.

Elizabeth Dunlap

Life changing for my financial journey

Starting out with a very bad credit score, within the past month it has increased extremely giving me access to credit and more offers. I would recommend Wollit to anyone.

Nakita Quarrie

Rapid Improvement

My credit went up 90+ points in 2 months. Incredible progress!

Shaun Bucknor

Score gone up 83 points in 3 months

I've been with them for 3 months, my score gone up 83 pts so it does work. I'm gonna keep using it.

Jane Squires

Much better credit card offers now

Before Wollit I was only being offered credit cards with really rubbish interest rates and low credit limits but now I'm getting much better offers. I really can't recommend Wollit enough!

Jess Lever

From rock bottom to accessing credit

When I started my credit rating was rock bottom but with the help of Wollit I was able to get it back to normal and access lines of credit - something I was not able to do before.

Claudius Chipungu

Now applying for mortgages

I've been using Wollit for a while now to build up my credit rating so that I can apply for a mortgage and it's really helped me. I'm now at the stage that I'm applying for mortgages.

Sam Battles

Experian went from 560 to over 700

It takes maybe three or four months but you need to persevere and you will see the benefit. My credit score went from 560 to over 700 in this time period.

Ikramul Haq

Using Wollit for nearly 2 years

My credit history improved very well. Wollit is a good credit building app for people with no credit history or bad credit... Worth it for money.

Charmin Balasingam

Score up 163 points after 3 months

After seeing no changes initially, I can confirm after 3 months my score has gone up by 120 then a further 43 points. I'm happy with the progress.

Ashante Ekanga

Couldn't recommend them highly enough

I'm so grateful to have found Wollit when I did. What really set Wollit apart was the level of personal support I received. Any time I had questions, I could simply reach out for help.

Jacqueline Shaw

Wish I knew about this years ago

Quick & easy to set up. Wish I knew about this years ago!

Sarah

How wrong was I

Never did I think this would do me any good - how wrong was I. It's helped me a great deal. I'm now feeling better about my credit score.

Mr Clifford Sirrell

Helps improve your score fast

Brilliant company, helps improve your score fast! And for £9 a month, it's really worth it. The rent reporting section enables me to build my score further.

Kelsey

For people who've ballsed up their credit

Great service! Highly recommended for people who've ballsed up their credit.

Elliot Davies

Helping me rebuild my abysmal score

Very simple and easy to navigate. People, do not wait if you're thinking about it!

Paul Osborne

A game changer for me

What a great idea and a game changer for me credit wise. I'm back in the game thanks to Wollit.

Best way to build credit without a credit card

It's the best way to build a credit score if you're in a position where you cannot yet get a credit card. They updated the 3 CRA immediately then it's just a waiting game.

Nicholas

Brilliant credit building app

Very easy to join and simple to understand. Would highly recommend.

Lisa

Amazing that rent counts towards credit

It is so simple to use and amazing that your rent counts towards your credit score.

Gemma Booth

Unbelievable what happened

My credit score was tremendously boosted in a few weeks!

Mohamed Attia

Credit score up 100%

The £6 monthly subscription has really helped my credit score up to 100%. I recommend this app. It has been very helpful to me.

Lilian Uchechi

Customer service is 10/10

An amazing service. The app is very user friendly. Customer service is 10/10. Cannot recommend enough.

Dawn Hands

Incredible 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.

Philip

Helped me rebuild my credit score

Really helped me build my credit score back up. I found them to be helpful and knowledgeable. Would recommend to anyone trying to rebuild their credit score.

Sarah Magnus

Huge improvement on my credit score

Joined with little expectations but I'm a few months in and there's been a huge improvement on my credit score. The app does what it promises!

Nigel Agius

Already seeing an improvement

I've been using Wollit for about 4 months now and am already seeing an improvement to my credit score. Totally hands off and easy to set up - can't go wrong!

Jamie Marmon

Clever

Quick, easy and really works.

Ben Seward

Just sit back and watch your score improve

Simple to set up and payments are made monthly by DD, so you can just sit back and watch your credit score improve. Mine improved just by setting it up.

Andrea Jackson

I just love Wollit

It's making a difference to my credit. Thank you.

Diane Hill

Rent tracker is a life saver

Highly recommended. 3 months in now and starting to see an improvement in my score. Rent tracker is a life saver.

Stephen Price

Should have done it years ago

Rent reporting & taking control of your finances made easy by this App. Should have done it years ago! Excellent and so easy.

Peter S

Works on its own once set up

The app works on its own once it's been set up and this process is easy and straightforward... You'll see nice improvements on your Credit Score. Customer service is spot on.

Aniello Caiazza

Great significant overturning of bad credit

I subscribed for one year, and I have seen a great significant in overturning my bad credit rating, from very poor to much decent grade. Wollit is the best solution to improve bad credit rating.

MR Bernard Obanleowo

Made a difference in just 4 months

After identity theft my credit rating was shot to bits... this has made a difference in just 4 months. Husband was very skeptical but is now pleased that it does appear to work.

Themis Von Blanc

Helping me rebuild my abysmal score

Very simple and easy to navigate. People, do not wait if you're thinking about it!

Paul Osborne

A game changer for me

What a great idea and a game changer for me credit wise. I'm back in the game thanks to Wollit.

Best way to build credit without a credit card

It's the best way to build a credit score if you're in a position where you cannot yet get a credit card. They updated the 3 CRA immediately then it's just a waiting game.

Nicholas

Brilliant credit building app

Very easy to join and simple to understand. Would highly recommend.

Lisa

Amazing that rent counts towards credit

It is so simple to use and amazing that your rent counts towards your credit score.

Gemma Booth

Unbelievable what happened

My credit score was tremendously boosted in a few weeks!

Mohamed Attia

Credit score up 100%

The £6 monthly subscription has really helped my credit score up to 100%. I recommend this app. It has been very helpful to me.

Lilian Uchechi

Customer service is 10/10

An amazing service. The app is very user friendly. Customer service is 10/10. Cannot recommend enough.

Dawn Hands

Incredible 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.

Philip

Helped me rebuild my credit score

Really helped me build my credit score back up. I found them to be helpful and knowledgeable. Would recommend to anyone trying to rebuild their credit score.

Sarah Magnus

Huge improvement on my credit score

Joined with little expectations but I'm a few months in and there's been a huge improvement on my credit score. The app does what it promises!

Nigel Agius

Already seeing an improvement

I've been using Wollit for about 4 months now and am already seeing an improvement to my credit score. Totally hands off and easy to set up - can't go wrong!

Jamie Marmon

Clever

Quick, easy and really works.

Ben Seward

Just sit back and watch your score improve

Simple to set up and payments are made monthly by DD, so you can just sit back and watch your credit score improve. Mine improved just by setting it up.

Andrea Jackson

I just love Wollit

It's making a difference to my credit. Thank you.

Diane Hill

Rent tracker is a life saver

Highly recommended. 3 months in now and starting to see an improvement in my score. Rent tracker is a life saver.

Stephen Price

Should have done it years ago

Rent reporting & taking control of your finances made easy by this App. Should have done it years ago! Excellent and so easy.

Peter S

Works on its own once set up

The app works on its own once it's been set up and this process is easy and straightforward... You'll see nice improvements on your Credit Score. Customer service is spot on.

Aniello Caiazza

Great significant overturning of bad credit

I subscribed for one year, and I have seen a great significant in overturning my bad credit rating, from very poor to much decent grade. Wollit is the best solution to improve bad credit rating.

MR Bernard Obanleowo

Made a difference in just 4 months

After identity theft my credit rating was shot to bits... this has made a difference in just 4 months. Husband was very skeptical but is now pleased that it does appear to work.

Themis Von Blanc

Credit score increased within weeks

Within a few weeks my credit score increased which is amazing. A great app that looks into your monthly payments which can help improve your credit score.

Junie

Set up for mental health support

Because I suffer from mental health, Wollit set up emails and text messages so I don't miss my payment dates. The customer service assistance provided was excellent.

The -

A no brainer

Smooth process and a no brainer as you can forget about it, let it do the business.

Michael Jones

Does what it says on the tin

Excellent company and it does what it says on the tin! Credit score is improving month on month.

Robert Bullock-Swart

So easy to use

Wollit is amazing. Have found it so easy to use and has helped boost my score quite nicely. I'd definitely recommend it to others.

Justin Harris

Better rates and offers now

Using Wollit has really improved my credit score. Able to get better rates and offers.

Mick

Made such a difference

I love this app. It's made such a difference to my credit score. Pay in every month. Super easy.

Natalie Hughes

Had no credit file to begin with

I had no credit file to begin with and their support has been more than helpful. Not to mention the quick bug fixes and UI enhancements they roll out frequently.

EternalCustomer

Reports to all major credit agencies

Easy to understand and effective to improve my credit rating. Wollit report to all major credit reference agencies each time a payment is completed. Would highly recommend.

Imran

Steady improvement each month

After a couple of months your score will start to improve, and continue to do so. It's a steady improvement and puts you in a far better position than before. A great investment.

Andrew Timlin

Refunded immediately when I made an error

I accidentally made a new account. They were vigilant and refunded the £9 so I could pay on my normal account. They were fast, polite and quick. My credit score really has gone up.

Kim

Made all the difference

Pushed my score up after a few months. Nice little app.

Ella

Live tracking what affects your score

Great live tracking of things wrong with your credit score and things you're doing right! Slow and steady increase. Highly recommend.

Jake

Get to grips with spending habits

Joined to build my credit and get to grips with my spending habits. Made a big difference so far.

Dani

Saw it on Facebook and took the plunge

I saw the video reel on Facebook about Wollit. The app was very easy to navigate and set up. Now my financial status can start improving again. It's definitely helped me.

Mr Simon Bailey

Big improvement in 2 months

Saw a big improvement of my credit score in 2 months.

Lee Williams

The results are amazing

Everything about the service was excellent, the service provided is very good and the results are amazing.

Baba Sy

10 months and score has improved

I have now used for 10 months and my credit score has improved with the help of Wollit!

Gary

Huge difference in just 2 months

Only 2 months in and I have noticed a huge difference to my rating already. I had an unexpected bill... they replied instantly and sorted my problem straight away. So impressed with their friendly efficient service.

Elizabeth Dallas

Score getting better and better

Great app. I am really happy. My score getting better and better. Thank you Wollit.

Todorka Vasileva

Credit score increased within weeks

Within a few weeks my credit score increased which is amazing. A great app that looks into your monthly payments which can help improve your credit score.

Junie

Set up for mental health support

Because I suffer from mental health, Wollit set up emails and text messages so I don't miss my payment dates. The customer service assistance provided was excellent.

The -

A no brainer

Smooth process and a no brainer as you can forget about it, let it do the business.

Michael Jones

Does what it says on the tin

Excellent company and it does what it says on the tin! Credit score is improving month on month.

Robert Bullock-Swart

So easy to use

Wollit is amazing. Have found it so easy to use and has helped boost my score quite nicely. I'd definitely recommend it to others.

Justin Harris

Better rates and offers now

Using Wollit has really improved my credit score. Able to get better rates and offers.

Mick

Made such a difference

I love this app. It's made such a difference to my credit score. Pay in every month. Super easy.

Natalie Hughes

Had no credit file to begin with

I had no credit file to begin with and their support has been more than helpful. Not to mention the quick bug fixes and UI enhancements they roll out frequently.

EternalCustomer

Reports to all major credit agencies

Easy to understand and effective to improve my credit rating. Wollit report to all major credit reference agencies each time a payment is completed. Would highly recommend.

Imran

Steady improvement each month

After a couple of months your score will start to improve, and continue to do so. It's a steady improvement and puts you in a far better position than before. A great investment.

Andrew Timlin

Refunded immediately when I made an error

I accidentally made a new account. They were vigilant and refunded the £9 so I could pay on my normal account. They were fast, polite and quick. My credit score really has gone up.

Kim

Made all the difference

Pushed my score up after a few months. Nice little app.

Ella

Live tracking what affects your score

Great live tracking of things wrong with your credit score and things you're doing right! Slow and steady increase. Highly recommend.

Jake

Get to grips with spending habits

Joined to build my credit and get to grips with my spending habits. Made a big difference so far.

Dani

Saw it on Facebook and took the plunge

I saw the video reel on Facebook about Wollit. The app was very easy to navigate and set up. Now my financial status can start improving again. It's definitely helped me.

Mr Simon Bailey

Big improvement in 2 months

Saw a big improvement of my credit score in 2 months.

Lee Williams

The results are amazing

Everything about the service was excellent, the service provided is very good and the results are amazing.

Baba Sy

10 months and score has improved

I have now used for 10 months and my credit score has improved with the help of Wollit!

Gary

Huge difference in just 2 months

Elizabeth Dallas

Score getting better and better

Great app. I am really happy. My score getting better and better. Thank you Wollit.

Todorka Vasileva

Your credit health toolkit includes

Rent Reporting

Turn rent you're already paying into credit history. We report payments automatically to Experian and Equifax, proving you pay bills on time.

Affordability Boost

See what lenders see when they analyse your spending. 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. Get instant answers about UK credit, your account, and how to improve your score.

Credit Wins

Discover credit opportunities from everyday spending — see which payments are already helping your credit and which you're missing.

Payment Reporting

Your Wollit subscription payments are reported monthly to all 3 UK credit agencies (Experian, Equifax, TransUnion), which can help strengthen your credit profile.

How it works

1. Get the toolkit

Access rent reporting, credit insights, affordability tools, AI guidance, and more.

2. Spread the cost

We give you an interest-free loan so you can pay monthly instead of upfront.

3. Build better credit

Use the toolkit to understand, track, and improve your credit profile.

Learn more about how it works →

Why Wollit?

No credit check required

Join regardless of your current credit situation

Instant access

Set up in 2 minutes and start using all features immediately

Complete toolkit, one price

6 powerful tools for £9.99/month, no hidden fees

Flexible

Cancel anytime, no commitments beyond current month

Got questions? We've got answers.

What is Wollit?

Wollit is a credit health toolkit designed to strengthen your credit profile. For £9.99/month, you get access to powerful features: rent reporting to Experian & Equifax, AI credit assistant (Olli), lender affordability insights, credit education courses, payment tracking, and more. Your subscription payments are reported to all three UK credit agencies. Wollit is unregulated credit and not regulated by the Financial Conduct Authority.

Is Wollit right for me?

Wollit works best if you want to strengthen your credit profile over time. It's ideal if you're paying rent and want to turn those payments into credit history, or if you want to understand what lenders see. If you're currently in bankruptcy, an IVA, or a debt management plan, or regularly missing payments on existing credit commitments, Wollit may not be right for you. Consider speaking to StepChange or MoneyHelper first.

How quickly can I see progress?

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.

Can I cancel anytime?

Yes. You can cancel your Wollit subscription at any time with no penalties or fees. Simply cancel from the app — no awkward phone calls required.

Take control of your credit health

Get the complete credit toolkit — all features included.

Get started

Instant setup. No credit check. Cancel anytime.