CreditLadder - Making Rent Count® and helping tenants since 2016.
What is Rent Reporting from CreditLadder?
- Your rent payments can improve your credit score - join over 200,000 tenants who have already signed up to CreditLadder.
- Improvements to your credit score can help improve your likelihood to get accepted for a loan or credit card.
- Keep paying your rent as you do today. CreditLadder securely reads the rent payment from your bank account and lets the Credit Reference Agencies (CRAs) know.
- Report to one CRA for free. Report to all three (Experian, Equifax, TransUnion) for the equivalent of only £5/month and receive maximum benefit.
- An 'excellent' credit score could save you £19,000+ over the course of a lifetime (Source, Equifax).
- UK customer support staff to help with any questions you might have.
Why choose Rent Reporting from CreditLadder?
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The UK's most experienced rent reporting provider.
We've spent over 10 years helping tenants build their credit histories and have reported more rent payments to the UK's three major CRAs than anyone else.
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Report to all major Credit Reference Agencies.
Your lender may check your details with more than one CRA. That's why reporting to all three helps maximise the visibility of your rent payment history when applying for credit.
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Real UK-based customer support.
Need help? Our friendly UK team is on hand to answer your questions, with 99% enquiries answered within one working day.
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Expert help when you move home or your rent changes.
If you move home or your rent changes, we'll help keep your rent reporting accurate and uninterrupted. Not all providers offer this service, which could leave gaps in your reporting history.
Why choose CreditLadder Premium?
Lenders typically check more than one CRA which is why we recommend you report your rent to Experian, Equifax and TransUnion.
| Lenders |
|
Experian | Equifax | TransUnion | ||
|---|---|---|---|---|---|---|
| Barclaycard | Uses Experian | Uses Equifax | Uses TransUnion | |||
| Lloyds Bank | Uses Experian | Uses Equifax | Uses TransUnion | |||
| Monzo | Uses Experian | Uses Equifax | Uses TransUnion | |||
| Nationwide | Uses Experian | Uses Equifax | Does not use TransUnion | |||
| Natwest | Uses Experian | Does not use Equifax | Uses TransUnion | |||
| Revolut | Uses Experian | Uses Equifax | Uses TransUnion | |||
| Santander | Uses Experian | Does not use Equifax | Uses TransUnion | |||
| TSB | Uses Experian | Uses Equifax | Uses TransUnion | |||
CreditLadder Cashback
NewCreditLadder does more than just report your rent payments.
That's why you can also earn cashback when you shop.
- Benefit from cashback on your shopping when you sign up to any CreditLadder plan.
- Receive cashback from over 200 leading brands.
- Simply choose where you want to shop, purchase an instant gift card, and have your cashback added directly to your CreditLadder wallet.
From 8%
Cashback
From 6%
Cashback
From 5.5%
Cashback
From 5%
Cashback
From 5%
Cashback
From 4.5%
Cashback
From 4.5%
Cashback
From 4%
Cashback
From 4%
Cashback
From 4%
Cashback
From 4%
Cashback
From 3.5%
Cashback
From 3.5%
Cashback
From 3%
Cashback
From 3%
Cashback
From 2.6%
Cashback
From 2.5%
Cashback
From 2.5%
Cashback
From 2.3%
Cashback
From 2%
Cashback
What about the credit scores I can get from elsewhere?
Lenders don't all use the same credit reference agency. CreditLadder helps report your rent payments across Experian, Equifax and TransUnion, so your on-time rent payments can be seen by more lenders
| Credit monitoring services |
|
Experian | Equifax | TransUnion | ||
|---|---|---|---|---|---|---|
| Checkmyfile | Uses Experian | Uses Equifax | Uses TransUnion | |||
| ClearScore | Does not use Experian | Uses Equifax | Does not use TransUnion | |||
| CredAbility | Does not use Experian | Uses Equifax | Does not use TransUnion | |||
| Credit Karma | Does not use Experian | Does not use Equifax | Uses TransUnion | |||
| Credit Engine | Does not use Experian | Uses Equifax | Uses TransUnion | |||
| Experian CreditExpert | Uses Experian | Does not use Equifax | Does not use TransUnion | |||
| Equifax Credit Report & Score | Does not use Experian | Uses Equifax | Does not use TransUnion | |||
| MoneySupermarket | Does not use Experian | Does not use Equifax | Uses TransUnion | |||
| Money Saving Expert (MSE) Credit Club | Does not use Experian | Does not use Equifax | Uses TransUnion | |||
| TotallyMoney | Does not use Experian | Does not use Equifax | Uses TransUnion | |||
| TransUnion Credit Report | Does not use Experian | Does not use Equifax | Uses TransUnion | |||
Join over 200,000+ happy tenants
“Have been using Credit Ladder for just over a year since we moved to the UK and are very happy with their service! Sign up was super easy and we have seen a substantial increase in our credit scores. I would definitely recommend them to anyone new to the country who is looking to build up their credit score.”
“Up until recently when I was reading Martin Lewis's blog, I never knew that I could report rent to the credit agencies. It's really helping to improve my score and recording payments will help me to secure a rental elsewhere should I decide to move. CreditLadder responses are fast and accurate. Well worth the monthly fee in my opinion. Thank you to the CreditLadder team.”
“Credit Ladder has truly been a game-changer in proving my creditworthiness. I recently moved house, and the certified rent report they provided made the process so much easier—I didn’t have to struggle to demonstrate my reliability to the landlord or agents.
What a brilliant idea! It’s an innovative solution that genuinely helps bridge the gap for renters.”
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Frequently asked questions
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CreditLadder has reported more rent payments to the three biggest UK credit reference agencies (Experian, Equifax and TransUnion) than anyone else.
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CreditLadder have reported over £2bn in rent payments for our customers!
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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. -
CreditLadder does not collect your rent - you keep paying it as you do today. Visit our Help Centre if you would like more information.
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Unfortunately, none of the Credit Reference Agencies support the reporting of previous rental payments. Should this ever change we will inform all customers but we don't anticipate this to change in the near future.