How it works
Historically rent payments were never reported to Credit Reference Agencies. The great news is CreditLadder has helped thousands of tenants improve their credit score, and you could be next.
Report to one credit reference agency or all four of Experian, Equifax, TransUnion & Crediva
The UK has four main Credit Reference Agencies - Experian, Equifax, TransUnion and Crediva. CreditLadder is the only way that your rent payments can be reported to all four.
It’s important to have the best credit position with all four agencies, which is why we recommend you report your rent to Experian, Equifax, TransUnion and Crediva. By reporting to all four, you have all your bases covered!
Sign up in under five minutes
1. Enter your details
Confirm your identity with a few quick questions.
Provide your tenancy details so future rent payments can be reported to the credit agencies.
2. Connect your bank for read only access.
CreditLadder are FCA regulated and the Open Banking technology we use is supported by all major banks. Connect to your bank with confidence, thanks to high-level data encryption.
Supported banks: Bank of Scotland, Barclays, Chelsea Building Society, Chase, Danske Bank, First Direct, Halifax, HSBC, Lloyds Bank, MBNA, Monzo, Nationwide, Natwest, Revolut, Royal Bank of Scotland, Santander, Starling Bank, Tesco Bank, Tide, Transferwise, TSB, Ulster Bank, Yorkshire Building Society.
3. Pay your rent as normal
CreditLadder will read and identify rent payments through the secure access provided. Rent payments will appear on Experian, Equifax, TransUnion and Crediva statutory credit reports after 6-8 weeks. We do not collect your rent.
How much does it cost?
CreditLadder offers tenants the opportunity to report their rent payments to one of Experian, Equifax or TransUnion for free.
CreditLadder also offers paid plans to give you the maximum benefit by reporting to all four major Credit Reference Agencies. This costs from the equivalent of just £5/month and helps CreditLadder to cover the cost of providing the service.
Credit Building Plans
Report rent to one Credit Reference Agency for free. Make your rent count by reporting to all four - Experian, Equifax, TransUnion & Crediva - and let many more lenders see your rent payment history.
CREDITLADDER
STANDARD
- Report to 1 credit agency only. Choose Experian, Equifax or TransUnion.
- Once you have made your choice, switching is not possible.
- Upgrade to CreditLadder Premium at any time allowing you to report to Experian, Equifax, TransUnion & Crediva.
CreditLadder Premium
Annual
* equivalent monthly price, £60 payment for 12 months.
- The only way to report your rent to the UK's four largest credit agencies.
- Boost your credit position across Experian, Equifax, TransUnion and Crediva.
- Pay annually and save over 35%
- 12 month contract.
CREDITLADDER
STANDARD
- The only way to report your rent to the UK's four largest credit agencies.
- Boost your credit position across Experian, Equifax, TransUnion and Crediva.
- No long term commitment. 1-month notice to cancel.