Screenshot of the homepage showing the personal finance management features of the credit building app Portify

Credit builder app

Credit score building in partnership with all major UK Credit Reference Agencies: Experian, Equifax and TransUnion.

Get started in 3 minutes!
No interest or APR.
No hard credit check.

New to credit?
Need to build credit?

Get started with our memberships


Learn more

How do I build my credit score?

Your credit score uses a formula and takes into account things such as: on-time bill repayments, maintaining credit utilisation ratio, and more.

Visit our Credit Library or Blog to learn more about how to build your credit score.

Over 100,000+ people are investing in their credit scores with Portify

Brad
Portify has done that I was absolutely shocked by how much points my score has risen, it jumped from 345 to 642 in 2 months!
Apple App store
Chris
Great service and a simple way to boost your credit score (mine went up by 52 points)
Trustpilot
Colleen
Using Portify to build my credit score has been brilliant! It’s a relief to see a gradual increase in my points over time and feels incredibly productive. I don't even notice the payment going out.
Trustpilot
Sardi
Anyone who is in doubt to use their service I would recommend you do as in a month my credit score has gone up by 60 points. So it does work.
Trustpilot

Why Portify?

Easy
Start building your credit score in less than three minutes
Simple
One single fee each month to build your credit score
Fair
No credit check. We use Open Banking data instead

Why not Portify?

We are committed to providing a service that helps our members save money. Please do not use Portify if any of these apply to you, as we may not be able to help.

You had a CCJ in the last 12 months
You had an IVA in the last 12 months
You declared bankruptcy in the last 12 months


Learn why

Did you know?

An 'Excellent' credit score could save you tens of thousands £s over a lifetime
Money could you save on select credit products with an 'Excellent' credit score

Try our calculator to see how much you could save

Try now!
FCA Authorised
Portify is authorised and regulated by the Financial Conduct Authority under firm registration number 828125/826665.
Bank-grade security
Your data stored with Portify is secured using AES 256-bit end-to-end encryption.
Read-only access
We only ever have read access to your banking and financial transaction data. Portify cannot access or move your money.