How Wollit works
Tools to build your credit profile — paid in a way that builds your credit history too.
Get startedThe big picture
Wollit gives you tools to understand and strengthen your credit profile — paid in a way that builds your history too.
Get the toolkit
Access rent reporting, credit insights, affordability tools, AI guidance, and more.
Spread the cost
We give you an interest-free loan so you can pay monthly instead of upfront.
Build better credit
Use the toolkit to understand, track, and improve your credit profile.
What you get
A comprehensive set of tools to support your credit health.
Payment Reporting
Your subscription payments reported to Experian, Equifax, and TransUnion.
Rent Reporting
Turn your rent payments into credit history with automatic reporting.
Credit Smart
Understand your credit profile with personalised insights and tips.
Affordability Boost
Share your income and spending data to improve affordability checks.
Olli AI
Your personal AI credit assistant, ready to help 24/7.
Credit Wins
Track milestones and see your progress over time.
How the payment works
Your subscription, explained.
You subscribe to the toolkit
Start your subscription and get instant access to all Credit Health Toolkit features. No credit check required.
We give you an interest-free loan
Instead of paying upfront, we provide a small loan (£119.88) to cover your 12-month subscription. You repay it monthly.
You pay £9.99 each month
Payments are collected automatically on your chosen date. If we can't collect a payment, we'll let you know.
We report every payment
Each on-time payment is reported to Experian, Equifax, and TransUnion — building your payment history over 12 months, while you use the tools to improve your credit profile.
Missed payments will also be reported and may appear on your credit file.
Important things to know
We can't guarantee results
Credit scores depend on many factors. We can't promise your score will improve — but building positive payment history is one of the best things you can do.
Your situation matters
Lenders look at your whole financial picture — income, debts, and existing credit. Wollit helps with one piece of that puzzle.
Cancelling early matters
If you cancel before completing 12 months, your loan will be marked as settled early. This may not have the same positive impact as completing the full term.
This is unregulated credit
The loan we provide is unregulated, which means you won't have the same protections as with regulated credit products.
Ready to get started?
Join thousands building a stronger credit profile with Wollit.
Get started£9.99/month. No credit check.