Wollit Credit Builder - Get the credit score you deserve

Rated ’Excellent’ by our customers

Join the thousands who have transformed their credit with Wollit

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Everything you need to build better credit

Turn rent into credit power

Transform your largest monthly expense into a powerful credit-building tool with our Rent Reporting service.

Discover what lenders see

When they analyse your bank account and what you can do to increase your chances of approval.

Expert advice for better credit

Get tailored tips on small actions that make a big impact on your credit file and how to do them easily.

Have questions? Start here

What is Wollit Credit Builder?

Wollit Credit Builder is a subscription service designed to improve your creditworthiness and unlock better financial opportunities. Whether you’re new to the UK, recovering from credit rejections, planning to buy a home, or looking to save money with better credit deals, Wollit is designed to help you achieve your goals.

How does Wollit Credit Builder work?

Wollit Credit Builder is a 12-month subscription designed to improve your creditworthiness. You purchase the subscription on credit and pay it off over 12 monthly payments. We report your agreement and payments to all major UK credit agencies (Experian, Equifax, and TransUnion), helping you build a strong credit history—a key factor in improving your creditworthiness. Your subscription also includes features like Rent Reporting to help you make faster progress.

How soon could my credit improve?

Wollit starts building your credit from your very first subscription payment. Some people may see progress in a few months, while for others, it can take longer, as building credit requires time and consistent financial habits. For the best results, it’s important to complete the full 12-month subscription.

Is my credit guaranteed to improve?

Wollit builds your credit history, a key factor in improving your creditworthiness. It also offers tools like Rent Reporting to help you make faster progress. However, lenders consider many factors when making lending decisions, including how you manage other financial commitments, which are beyond our control, so we can’t guarantee specific outcomes.

Why can I trust Wollit Credit Builder?

Thousands of people across the UK trust Wollit to help them build credit. Wollit reports to all major credit agencies, is backed by a global bank and is rated Excellent by its customers on TrustPilot.

Is Wollit Credit Builder right for me?

Wollit can be a good choice for people looking to build credit. It can be especially helpful if you:

Haven’t had much credit before and need to show you can handle it.
Want to improve your credit history for something big, like getting a house.
Have slipped up with credit in the past and are trying to fix it.

If you’re going through bankruptcy, IVA or similar, have recent CCJs, or are struggling with existing debt or bill payments, Wollit might not be the best choice for you as lenders may still not lend to you even if your credit score improves. If you are using Wollit to improve your credit score but you end your plan early, you could end up with a lower credit score than you started with.

“I am blown away by the results”

I've been using Wollit for a few months now and I am blown away by the results. My credit score has improved so much and I couldn't be happier

By Philip

Unlock the benefits of better credit with Wollit

Lower interest rates

A jump in your credit score band can mean saving up to £30,000 for a 25-year £300,000 mortgage.

Pass credit checks

Having Wollit on your credit file can help you pass credit checks for loans, rent and mortgages.

Credit card rewards

Long 0% interest periods on purchases, airline miles, and cashback are only available if you have good credit.

Higher credit limits

With good credit, you are more likely to be offered higher credit limits on credit cards and loans.

Lower deposits

Good credit can eliminate the need for large deposits when renting or getting a new utilities account.

Better paid jobs

Certain employers, especially in finance, may check credit scores as part of their hiring process.

Build credit on a budget

From just £9.99 a month

Monthly subscription builds your credit
Reports to all major UK credit agencies
No hidden fees or extra charges
Flexibility to cancel anytime

Wollit can be great for you if...

You’re new to the UK and need to build your credit from scratch

You’re a student ready for your first credit card or loan

You’ve been refused for credit and want to boost your approval odds

You’re stuck with high interest rates and want to lower your costs

You’re planning to buy a home and need to strengthen your credit

You’re renting and want to get credit for paying your rent

Wollit might not be the best choice for you if you have recent CCJs, are struggling with existing debt or bill payments, or if you’re going through bankruptcy, IVA or similar, as lenders may still not lend to you even if your credit score improves.