Works with:

Portify Plus

Credit score building in partnership with Experian, Equifax and TransUnion.

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

Works with:

How could Portify Plus help my credit score?

Portify Plus could help build your credit score with all major UK Credit Reference Agencies

Sign up to Portify and we'll use Open Banking to identify all your recurring bills and subscriptions. We'll send smart alerts to encourage on time payments.
Subject to eligibility, we will open a credit line that can top up your bank account to ensure expenses are paid.
You can choose to use this credit line or not.
Paying your recurring expenses on time means you are using our credit line responsibly.
Not using this credit line will improve your credit utilisation rate.
Both behaviours will be shared with Experian Equifax and TransUnion every month.

Positive payment history and credit utilisation are two of the largest factors that make up your credit score according to Experian.

The more positive behaviour is reported to Credit Reference Agencies, the more your credit score can increase. Portify is effective when used in tandem with positive financial behaviour.

Learn more

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

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
Great service and a simple way to boost your credit score (mine went up by 52 points)
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.
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.

Why Portify?

Start building your credit score in less than three minutes
One single fee each month to build your credit score
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.