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 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 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
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.
Bug fixes that keep your Portify experience the best it can be.
A reminder of what's new in our recent 6.0 release:
Portify Plus allows you to see your TransUnion credit score in app, and improve your credit with all three of the UK's leading agencies: TransUnion, Equifax, and Experian!
Portify Lite is the new name for our Credit Boost product, which improves your credit score with Experian.
Ratings and ReviewsSee All
I do recommend
It's gonna be a bit long of a review tbh
I started using portify because I had a deliveroo account and portify and deliveroo were working together for the riders (long story short they don't work together anymore because of deliveroo) however I started using their score boost system by paying 4£ a month and after a few months from ~200 credit score it went to around 260 which is a nice boost
So overall I'm quite happy with the service
DO NOT USE THIS APP
Been with these guys now for a few months, the access to interest free loans was great, now they’ve changed the way they give out the loans with this new Portify Plus thing, they’ve increased the monthly minimum income threshold to £1200 every month for the last 12 months. I’m sorry but I don’t get how they can change this especially without notifying me first. I paid the full £100 the other day that I borrowed and what do you know, they’ve changed the way how we can get future loans with them... I’ve now got to have £1200 going in every month to get a loan now, but over the last 5-6 months I’ve been with them, they’ve been happy to give me the interest free loan on a income of £1059 per month. Now they change it to £1200
Absolutely disgusting service! Will not be recommending this to anyone.😤
This is an amazing credit builder
I have had very poor credit due to missed payments in the past going into default. I’ve been trying to repair my score and 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!! It’s insane I’m nearly into the fair range so now I can look at credit builder cards! I would recommend Portify it’s really good and helps so much.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Contact Info
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Privacy practices may vary based on, for example, the features you use or your age. Learn More
- Portify Limited
- 45.3 MB
- Requires iOS 10.0 or later.
- iPod touch
- Requires iOS 10.0 or later.
- Requires macOS 11 or later and a Mac with the Apple M1 chip.
- Age Rating
- 17+ Gambling and Contests
- © 2021 Portify Limited
Up to six family members will be able to use this app with Family Sharing enabled.