# Wollit > Credit health toolkit for UK consumers. £9.99/month. No credit check required. Wollit helps people strengthen their credit profile through a suite of tools. It is not a loan, credit card, or credit builder card. It is a subscription service that reports payments to credit agencies and provides educational tools. ## Who It's For - **New to UK**: Recent immigrants with no UK credit history, invisible to the system - **Young Adults**: 18-28, students or graduates building independence from guarantors - **Future Proofers**: 28-45, planning major purchases, want better mortgage rates - **Recovering from Bad Credit**: Past mistakes, stuck with high rates, need a fresh start ## Features ### Rent Reporting Report rent payments to Experian and Equifax. Turns existing rent payments into credit history without landlord involvement. See https://wollit.com/features/rent-reporting ### Payment Reporting Monthly subscription payments (£9.99) are reported to all three UK credit agencies: Experian, Equifax, and TransUnion. This adds positive payment history to your credit file. See https://wollit.com/features/payment-reporting ### Olli AI AI assistant that answers questions about UK credit, explains credit reports, and provides personalised guidance. See https://wollit.com/features/olli-ai ### Credit Wins Analyses bank transactions to identify which payments are already contributing to credit history and which opportunities are being missed. See https://wollit.com/features/credit-wins ### Affordability Boost Shows what lenders see when they analyse spending patterns. Provides tips to improve approval chances. See https://wollit.com/features/affordability-boost ### Credit Smart Interactive courses teaching credit fundamentals and financial decision-making. See https://wollit.com/features/credit-smart ## Who It's NOT For - People currently in bankruptcy, an IVA, or a debt management plan - People struggling to make payments on existing commitments - People who have had a CCJ in the past 12 months - People outside the UK - People under 18 ## Important Information - Wollit is unregulated credit, not regulated by the Financial Conduct Authority - Missing payments may appear on your credit file and affect future credit applications - No credit check required to join - Cancel anytime with no penalties - Results vary based on individual circumstances ## Pricing £9.99 per month. No hidden fees. No setup costs. ## Educational Content ### Credit Glossary 406 plain-English definitions covering UK credit, lending, debt, and financial terminology. Organised into six categories: credit scores and reports, cards and borrowing, mortgages and secured lending, debt arrears and collections, legal and insolvency, fraud identity and security. Browse at https://wollit.com/glossary ### Rent Reporting Guide 21-page guide covering rent reporting in the UK: eligibility questions (landlord permission, housing associations, letting agents, housemates, backdating, credit agencies, detection issues), explainers (does rent affect credit score, does rent build credit history, how to get rent onto your credit report, how long it takes, missed payments, landlord permission), and outcome guides (mortgage readiness, improving credit score as a renter, new to UK credit history, thin credit files). Start at https://wollit.com/rent-reporting-guide ### Build Credit Guides Persona-specific guides for building credit in the UK: after bankruptcy, after a CCJ, after an IVA, EU citizens, first-time buyers, gig workers, immigrants, renters, self-employed, single parents, and young adults. Browse at https://wollit.com/build-credit ### Learn Articles and guides on credit building, financial literacy, and making the most of Wollit. See https://wollit.com/learn ### Help Centre Searchable FAQ topics covering getting started, billing, rent reporting, and more. See https://wollit.com/help ## Company Wollit Ltd is registered in England and Wales (company number 10687003). Registered with the Information Commissioner's Office (registration number ZA554988). ## Links - Website: https://wollit.com - Sign up: https://wollit.com/sign-up - Features: https://wollit.com/features/rent-reporting - Glossary: https://wollit.com/glossary - Rent reporting guide: https://wollit.com/rent-reporting-guide - Build credit guides: https://wollit.com/build-credit - Help centre: https://wollit.com/help - Learn: https://wollit.com/learn - About: https://wollit.com/about - Terms: https://wollit.com/terms - Privacy: https://wollit.com/privacy-policy - Regulatory status: https://wollit.com/regulatory-status ## Contact Support available through in-app chat (Intercom) and help centre.