CreditLadder is the largest rent reporting service in the UK with over 200,000 customers having benefitted from our service and over £2bn reported in rent payments to Experian, Equifax and TransUnion - the UK’s three main Credit Reference Agencies (CRAs)

We were the first to offer this kind of service in the UK and also the first to report to all three of the main CRAs in the UK.  We believe good tenants who pay their rent on time should be rewarded for doing so.

But we're occasionally asked if we're 'safe' and 'legitimate' and we understand why. People may not have heard of us before visiting our website, so how do they know who we are?

All we can say for sure is that we are safe, good and genuine, and here’s why.

CreditLadder is regulated by the Financial Conduct Authority (FCA)

We are registered with, and regulated by the FCA which means if there is a dispute between you and us, the FCA’s Ombudsman Service will mediate. We also report regularly to the FCA. If we were to step out of line, the regulator would intervene and could fine us. CreditLadder works with the FCA to ensure we follow best practice and provide a safe and secure platform for our users. See our page on the FCA website.

Our award-winning service has been on ITV’s The Martin Lewis Show more than once and featured in numerous articles, including the BBC, The Times, Money Saving Expert and Which?

We’re lucky enough to have been featured multiple times in the media - you can read more about us here, where we’ve picked out some of the coverage we’ve received.

We have five stars on Trustpilot

CreditLadder is built on brilliant customer service, and this is reflected in our ‘excellent’ status on Trustpilot. With well over 2,000 reviews so far we also currently enjoy a five-star rating from those who have used our service.

The first and the biggest

CreditLadder works with all three of the main UK’s CRAs - Experian, Equifax, TransUnion and Crediva. On the Experian site you can find out more by going to this page and scroll down to the heading ‘How can I build up my credit history?’.

UK based team

Our entire team is based in the UK and if you ever need to contact us then you can do so here - we typically reply within 1 working day.

Remember, CreditLadder can help you improve your credit score.

CreditLadder can improve your credit position by reporting your rent payments. CreditLadder is the first way to improve your credit score and position across all three of the main Credit Reference Agencies in the UK, namely Experian, Equifax and TransUnion. Building up a high credit score has a lot of benefits, including helping you access finance at better rates - this can also help save you money. CreditLadder also runs a free mortgage application service in partnership with Tembo which will tell you how much you could borrow.

Remember the content provided in this article is for information purposes only and should not be considered as advice.