Portify offers a new way to build your credit score without a credit check, credit cards, or interest.
We offer two membership tiers:
** Portify Lite **
Portify Lite can build your Experian credit score for £5/month.
We structure your Portify membership as a loan agreement and report your membership fee payments as loan repayments to Experian. All you need to do is pay your membership fee on time. Since positive repayment history makes up 35% of your Experian credit score, this can help build it.
** Portify Plus **
Portify Plus can build your credit score with all major UK Credit Reference Agencies and lets you track your TransUnion credit score in the app for £9/month.
This means Portify Plus can build:
- Your Experian credit score
- Your TransUnion credit score (since Credit Karma uses your TransUnion score, the score you see in the Credit Karma app may also change)
- Your Equifax credit score (since ClearScore uses your Equifax score, the score you see in the ClearScore app may also change)
Portify Plus can build your credit score by sharing your positive on-time subscription and bills payments behaviour with the Credit Reference Agencies. Subject to eligibility* we open a credit line that can top up your bank account with enough balance to pay recurring expenses on time. Paying your subscriptions and bills on time means you are using this credit line responsibly. Since your credit utilisation rate makes up 30%* of your credit score, we can share this positive behaviour with Experian, TransUnion and Equifax to build your credit score.
Please note that Portify cannot guarantee to build your credit score with our memberships. You can find more information on why Portify might not be the best fit for you in our website FAQs.
* See our FAQ's for information on eligibility and assessment criteria.
** Portify does not perform a credit check or 'hard search' for either membership **
We know you may not have a credit score if you are new to cedit. We also want to minimise any negative impact on your credit score before we build it, so we do not perform a credit check.
** What People Are Saying **
“I love this app. When I first read the reviews, I wanted to try it. It was the best decision I've made. I needed to boost my credit score as I've recently moved to the UK. As you would imagine my credit score was very low but since using Portify for just a few months my credit score has improved a lot. Portify takes the fee out every month with no issues. I would recommend Portify to any and everybody. I wish I could give it more stars. Thank you so much Portify.” - Zarah, Trustpilot
“Portify – a holistic credit builder for modern workers with unconventional earnings patterns, Portify’s solution analyzes these earnings and spending behaviours to prevent overdraft and interest payments” - Forbes
'My credit history improved a lot. My Credit score was very low and I was rejected for everything even a sim contract. After my membership with Portify my score starting increase within three months. Then I got a contract along with a mobile. After that, I got a credit card. Portify was very helpful and the fee of member is very low. I will advise you to try it. You will feel the difference within three months.' Imran - Trustpilot
' My score has gone up 119 points! But guys... be patient. The app is super easy to use, and I personally find it really helpful. However.. there was no change to my score for the first 3 months. Then it jumped up 40 points. The following month it jumped up 60 points. And last month it jumped up 19 points! (I’m with experian).' - Mark - Trustpilot
** Support **
https://support.portify.co/
Portify Limited is authorised and regulated by the Financial Conduct Authority (ref. 828125 and 826665), and is VAT registered (GB 279861932). Credit facilities are provided by Portify Financial Services Limited (ref. 922751), which is an Appointed Representative of Portify Limited.
