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See what reviewers are saying

Rated 5 out of 5 stars

I've been using Pave for well over a year and my credit score has not only gone up but I've gained much more awareness of my habits. I'm now on the road to sorting my spending habits to a stable... See more

Rated 5 out of 5 stars

Would have never trusted an "app" that increases your credit score but holy damn, it actually works! My credit score is super low atm due to cost of living yadda yadda and having to choose between foo... See more

Rated 5 out of 5 stars

I’ve been using the Pave app for a while, and I’m thrilled to see my credit score steadily improving. This month, my TransUnion score increased by 48 points, which feels like a great achievement! The... See more

Rated 5 out of 5 stars

Maria was super helpful in answering all the questions I had. She was especially helpful with fixing the payment date issues I was having across my transactions. Friendly and helpful guidance whe... See more

Company details

  1. Non-Bank Financial Service

Written by the company

Pave offers a new way to build credit. Signing up takes under 3 minutes and there’s no hard credit check, interest or APR. Download the app to build your credit score with all major UK Credit Reference Agencies and see and track your credit score for £9/month.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

2K reviews

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Replied to 50% of negative reviews

Typically replies within 24 hours

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Rated 5 out of 5 stars

My credit was so low I couldn't even…

My credit was so low I couldn't even get a £10 a month SIM only contract from a phone network provider.
Since using Pave my credit score has gone up I've been able to apply for phone and tablet contracts etc.
Pave is great and recommended I've been using it for 3 years.

11 November 2023
Unprompted review
Rated 5 out of 5 stars

Credit recovery goal

This method has encouraged me to make monthly payments. I have been working very hard to keep my regular payment up to date to help increasey credit score. Pave has made setting goals and reminders easy to follow.

8 November 2023
Rated 2 out of 5 stars

Pave has provided NOTHING

Pave has provided NOTHING

it picks up no transiactions from my accounts, consistently misses balance updates unless I keep removing and adding my accounts, and to top it all, If I cancel my membership, it dents my credit report. Thanks for nothing.

3 October 2023
Unprompted review
Pave logo

Reply from Pave

Hi Rob,

I'm very sorry to hear that our in-app financial management tools have failed to meet your satisfaction. I understand it is inconvenient when you have to manually remove and reconnect your bank accounts to trigger a re-sync. Your feedback has been acknowledged by our engineers and we'd like to reassure you that we're working hard to ensure bank transactions are updated automatically and in a timely manner.

As long as you do not have an outstanding balance, cancelling your membership will not have a negative impact on your credit report. I've requested your information so that a member of our team can get in touch with you privately and provide assistance. Alternatively, you are most welcome to send us a message at team@paveapp.com.

Thank you very much for your feedback.

All the best,
Maria

Rated 5 out of 5 stars

I recommend you do the same :)

Since the day I downloaded this app and I became a member, My Credit score is getting better. I am very happy with this And thank you very much to the whole team for their help !! 🙏

17 October 2023
Unprompted review
Rated 5 out of 5 stars

Thanks Pave..

When I first signed up I was a little skeptical about what pave assured could be achieved, but as time has moved on my credit score is heading in the right direction..

16 October 2023
Unprompted review
Rated 5 out of 5 stars

Excellent customer service

I have been using Pave (formerly Portify) for more than 2 years, and I have been happy with the credit building service, but what I am really impressed with lately is their customer service. I have reported an issue on my account, which turned out to be a more complex technical error than anticipated. Maria, customer support manager has been very helpful and reassuring at every step of the way until the issue has been finally resolved. I have received regular and clear updates on the resolution progress, explaining technical details in plain language, and showing genuine care about my concerns. I have come across very few people in customer service with such dedication and professionalism as Maria, I wish this was the industry standard and not the exception. Thank you very much for following through and providing great service.

13 October 2023
Unprompted review
Rated 5 out of 5 stars

Great company! Even better customer service.

Brilliant company I'm glad I signed up. The customer service is brilliant also and will always explain things in detail and answer any questions you have. I had a few questions earlier and Joe was fantastic and explained everything to me perfectly. If you want to improve your credit score this is the company to go with.

21 September 2023
Unprompted review
Rated 5 out of 5 stars

Review of Pave App:

I am thrilled to share my honest review of the Pave app and its impact on my TransUnion credit score. This month, I experienced a remarkable 15-point increase in my credit score, largely due to the assistance provided by Pave.

First and foremost, Pave offers a user-friendly interface that made navigating through the app a breeze. The process of analyzing my credit report and identifying areas for improvement was seamless and efficient. I appreciated the clear and concise explanations provided for each recommendation, allowing me to understand how specific actions could positively impact my credit score.

One of the standout features of the Pave app was its personalized recommendations tailored to my unique financial situation. It offered step-by-step guidance on how to address specific concerns, such as paying down outstanding debts, resolving errors on my credit report, and optimizing credit utilization. These recommendations were practical and easy to follow, empowering me to take control of my credit health.

Furthermore, Pave's credit monitoring feature was invaluable in keeping me informed of any changes or updates to my credit report in real-time. This allowed me to promptly address any discrepancies and ensure that my credit history remained accurate and up-to-date.

Lastly, the educational resources provided by Pave were exceptional. From articles to videos, Pave offered comprehensive content on credit management, financial literacy, and ways to build a strong credit profile. These resources not only empowered me with knowledge but also helped me make informed decisions to improve my creditworthiness in the long run.

Overall, my experience with the Pave app has been incredibly positive. Not only did it help me achieve a significant 15-point increase in my TransUnion credit score this month, but it also equipped me with the tools and knowledge necessary to maintain a healthy credit profile moving forward. I highly recommend the Pave app to anyone seeking reliable and effective guidance in improving their credit score.

19 September 2023
Unprompted review
Rated 5 out of 5 stars

Excellent

For myself, the product improved my credit score drastically. It delivers what is promised to better your credit score. I am happy with my results and hope to get better in the near future.

14 September 2023
Unprompted review
Rated 5 out of 5 stars

Well I joined pave a while back and for…

Well I joined pave a while back and for £9 every month the service is amazing , staff and there team are fantastic , I have paid my bills and cards every month not missing my payments and this has resulted in my credit score to go up and am more than pleased , I hope to get over that 600 points soon fingers crossed but pave I can’t thank you enough and I highly recommend you

13 September 2023
Unprompted review
Rated 5 out of 5 stars

GET STARTED WITH PAVE!

My experience with the Pave app has been great! My credit score has increased by 18 points since joining in November last year, a great investment indeed !

13 September 2023
Unprompted review

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