CreditLadder - Making Rent Count®and
helping tenants since 2016.

The first & only way to report your rent payments and improve your credit position with Experian, Equifax, TransUnion & Crediva.

As seen on TV.

Google 5 star review

Over £1bn in rent reported for tenants.

Rated Excellent on Trustpilot - sign up in under 5 minutes

What is Rent Reporting?

  • Use your rent payments to improve your credit position.
  • Only CreditLadder reports rent payments to the big 4 credit reference agencies - Experian, Equifax, TransUnion & Crediva.
  • Rent Reporting can enhance your credit rating by showing consistent rent payments to credit reference agencies.
  • An 'excellent' credit score could save you £19,000+ over the course of a lifetime (Source, Equifax).
  • Keep paying rent as you do today. CreditLadder securely reads the rent payment from your bank and lets the credit agencies know.
  • Reporting rent payments can positively impact your credit file, making it easier to apply for mortgages or loans.
  • See the results for yourself on credit monitoring services like ClearScore, TotallyMoney, Credit Karma, or your bank.
  • Report to one credit reference agency for free. Report to all four (Experian, Equifax, TransUnion and Crediva) for the equivalent of only £5/month and receive maximum and unique benefits.
Start Reporting

Report to just one credit reference agency or all four?

Only CreditLadder reports rent payments to the four biggest UK credit reference agencies.

CreditLadder recommends you report your rent payments to Experian, Equifax, TransUnion and Crediva as most lenders work with more than one credit reference agency. Building up a high credit score with all the credit reference agencies has lots of benefits, including helping you access finance at better rates - this can also help save you money. Reporting rent payments to multiple credit reference agencies can increase your chances of being accepted by mortgage lenders.

Company
BarclaycardBarclaycard use Experian.Barclaycard use Equifax.Barclaycard use TransUnion.
Halifax MortgagesHalifax Mortgages use Experian.Halifax Mortgages use Equifax.Halifax Mortgages use TransUnion.
Lloyds BankLloyds Bank use Experian.Lloyds Bank use Equifax.Lloyds Bank use TransUnion.
SantanderSantander use Experian.Santander use Equifax.Santander use TransUnion.
Nationwide Credit CardNationwide Credit Card use Experian.Nationwide Credit Card use TransUnion.
Natwest BankNatwest Bank use Experian.Natwest Bank use Equifax.Natwest Bank use TransUnion.
RevolutRevolut use Experian.Revolut use Equifax.Revolut use TransUnion.
TSBTSB use Experian.TSB use Equifax.TSB use TransUnion.
Carphone WarehouseCarphone Warehouse use Experian.

What about the credit scores I can get from elsewhere?

Lots of companies give you access to a credit score, but did you know that these credit scores can be different and come from one of Experian, Equifax or TransUnion? When you report your rent with CreditLadder you will see the results everywhere you access your credit report.

Credit Monitoring Services
checkmyfilecheckmyfile use Experian for credit monitoring.checkmyfile use Equifax for credit monitoring.checkmyfile use TransUnion for credit monitoring.
ClearScoreClearScore use Equifax for credit monitoring.
CredAbilityCredAbility use TransUnion for credit monitoring.
Credit KarmaCredit Karma use TransUnion for credit monitoring.
Credit EngineCredit Engine use TransUnion for credit monitoring.
Experian CreditExpertExperian CreditExpert use Experian for credit monitoring.
Equifax Credit Report & ScoreEquifax Credit Report & Score use Equifax for credit monitoring.
MoneySupermarketMoneySupermarket use TransUnion for credit monitoring.
Money Saving Expert (MSE) Credit ClubMoney Saving Expert (MSE) Credit Club use TransUnion for credit monitoring.
TotallyMoneyTotallyMoney use TransUnion for credit monitoring.
TransUnion Credit ReportTransUnion Credit Report use TransUnion for credit monitoring.

Looking to get a mortgage?

Whether you're looking to buy in the next few months or in the future, CreditLadder can help you get the best mortgage deal.


Join over 125,000 happy tenants

“I've been using CreditLadder for more than a year now. I strongly believe that it has improved my credit score! Efficient customer service as well. I will not hesitate recommending it to anyone!”

SH Jung
Google 5 star review

“Can’t fault CreditLadder at all! They do exactly what it says on the tin and they do it really well! The customer service is always excellent if you have any queries or concerns, and the whole process of setting up an account, linking to your bank and getting tenancy confirmation from your landlord is simple and straightforward. For the price of a couple of takeaway coffees each month the “pro” option is 100% worth it too with reporting to all UK credit agencies”

Ian Shackleton
Google 5 star review

"I've been looking for a way to increase my credit score that ties into my payment history for some time. Found out about Credit Ladder and right out of the door it was a great experience. Easy to use, seamlessly connecting with my Starling account where I have my rent direct debit set-up.

5/5 would recommend."

Leigh Exton
Google 5 star review

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Frequently asked questions

Who do you report rent payments to?

Only CreditLadder allows you to report your rent payment to the UK's four biggest credit reference agencies namely Experian, Equifax, TransUnion and Crediva.

How much does it cost?

Reporting to one credit reference agency is currently free.

For maximum benefit, and to allow your credit files to be seen by the majority of lenders, CreditLadder suggests reporting to all four of the UK's major credit reference agencies. This costs from the equivalent of £5/month and covers the cost of reporting your payments and the 5 star customer service CreditLadder provides.

How much rent have you reported?

CreditLadder have reported over £1bn in rent payments for our customers!

Is my rent safe?

CreditLadder do not collect your rent, and the safety of your data is of the utmost importance to us.

Visit our Help Centre if you would like more information.

Start ReportingHelp Centre

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