CreditLadder - Making Rent Count® and helping tenants since 2016.
What is Rent Reporting?
- Use your rent payments to improve your credit score and credit history.
- CreditLadder reports rent payments to the big 3 credit reference agencies - Experian, Equifax & TransUnion.
- Rent Reporting can enhance your credit rating by showing consistent rent payments to credit reference agencies.
- An 'excellent' credit score could save you £19,000+ over the course of a lifetime (Source, Equifax).
- Keep paying rent as you do today. CreditLadder securely reads the rent payment from your bank and lets the credit agencies know.
- Reporting rent payments can positively impact your credit file, making it easier to apply for mortgages or loans.
- See the results for yourself on credit monitoring services like ClearScore, TotallyMoney, Credit Karma, or via your bank.
- Report to one credit reference agency for free. Report to all three (Experian, Equifax, TransUnion) for the equivalent of only £5/month and receive maximum benefit.
Report to just one credit reference agency or all three?
CreditLadder has reported more rent payments to the three biggest UK credit reference agencies than anyone else.
CreditLadder recommends you report your rent payments to Experian, Equifax and TransUnion as most lenders work with more than one credit reference agency. Building up a high credit score with all the credit reference agencies has lots of benefits, including helping you access finance at better rates - this can also help save you money. Reporting rent payments to multiple credit reference agencies can increase your chances of being accepted by mortgage lenders.
| Company |  |
||||
|---|---|---|---|---|---|
| Barclaycard | 
|
|
|
||
| Halifax Mortgages |
|
|
|
||
| Lloyds Bank |
|
|
|
||
| Santander |
|
|
|||
| Nationwide |
|
|
|||
| Natwest |
|
|
|||
| Revolut |
|
|
|
||
| TSB |
|
|
|
||
| Carphone warehouse |
|
|
|
||
What about the credit scores I can get from elsewhere?
Lots of companies give you access to a credit score, but did you know that these credit scores can be different and come from one of Experian, Equifax or TransUnion? When you report your rent with CreditLadder you will see the results everywhere you access your credit report.
| Credit monitoring services | |
||||
|---|---|---|---|---|---|
| Checkmyfile |
|
|
|
||
| ClearScore | |
||||
| CredAbility | |
||||
| Credit Karma | |
||||
| Credit Engine | |
||||
| Experian CreditExpert | |
||||
| Equifax Credit Report & Score | |
||||
| MoneySupermarket | |
||||
| Money Saving Expert (MSE) Credit Club | |
||||
| TotallyMoney | |
||||
| TransUnion Credit Report | |
||||
Looking to get a mortgage?
Whether you're looking to buy in the next few months or in the future, CreditLadder can help you get the best mortgage deal.
See What You Could Borrow
Join over 175,000+ happy tenants
“I've been using CreditLadder for more than a year now. I strongly believe that it has improved my credit score! Efficient customer service as well. I will not hesitate recommending it to anyone!”
“Can’t fault CreditLadder at all! They do exactly what it says on the tin and they do it really well! The customer service is always excellent if you have any queries or concerns, and the whole process of setting up an account, linking to your bank and getting tenancy confirmation from your landlord is simple and straightforward. For the price of a couple of takeaway coffees each month the “pro” option is 100% worth it too with reporting to all UK credit agencies”
"I've been looking for a way to increase my credit score that ties into my payment history for some time. Found out about Credit Ladder and right out of the door it was a great experience. Easy to use, seamlessly connecting with my Starling account where I have my rent direct debit set-up.
5/5 would recommend."
Find the best deals for you
Frequently asked questions
Who do you report rent payments to?
CreditLadder has reported more rent payments to the three biggest UK credit reference agencies (Experian, Equifax and TransUnion) than anyone else.
How much rent have you reported?
CreditLadder have reported over £2bn in rent payments for our customers!
How much does it cost?
Reporting to one credit reference agency is currently free.
For maximum benefit, and to allow your credit files to be seen by the majority of lenders, CreditLadder suggests reporting to all three of the UK's major credit reference agencies. This costs from the equivalent of £5/month and covers the cost of reporting your payments and the 5 star customer service CreditLadder provides.
Is my rent safe?
CreditLadder does not collect your rent - you keep paying it as you do today. Visit our Help Centre if you would like more information.