Tenants - Your rent is your biggest monthly expense.

Why not use it to improve your credit score?


How CreditLadder works

Help build your credit score for free by paying your rent on time


Join CreditLadder

A smarter way to pay rent

  • Make your rent count

    Add your monthly rent payment to your credit history and get mortgage ready.

  • It's safe as houses

    We use bank grade encryption and have processed millions of pounds in rent.

  • Bank the benefit

    Paying your rent through CreditLadder can improve your credit score.

Join CreditLadder

This is why your credit score is crucial

  1. When applying for a mortgage or loan, your credit score is one of the first things a lender looks at.
  2. The better your credit score, the lower the interest rate you’re likely to pay on loans.
  3. Your credit score also matters when applying for things like mobile phone contracts or car insurance.

What people are saying about us

"If you're trying to improve your credit rating or build up a credit history, this can be a clever way to make your rental payments count towards that."

Featured in Money Saving Expert

"Any positive movement in a customer’s Experian score has the potential to improve our view of a customer."

Featured by Barclays

"Tenants can set up a future credit rating boost by signing up to Credit Ladder, a free service that works with Experian to capture regular rent payments."

Featured in The Times

Start boosting your credit score now!

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