Pave

Pave is a credit-building app designed to assist users in improving their credit scores without the need for hard credit checks or incurring credit card debt. For a monthly fee starting under £10, members can monitor their credit scores from TransUnion and Equifax. The app provides personalized tips for score improvement and enables users to actively build credit through a dedicated credit builder account.

The application connects to users' bank accounts to track priority bills and ensure timely payments, which are essential for enhancing credit scores. Pave offers two membership options: Pave Lite, which delivers basic support, and Pave Plus, which provides comprehensive coverage. Pave Plus includes assistance from credit experts and a potential money-back guarantee if scores do not improve after 12 months.

Pave prioritizes user safety and is regulated by the Financial Conduct Authority. The app utilizes robust encryption methods to protect user data, ensuring a secure experience. With Pave, users can take proactive steps toward building and maintaining a healthy credit profile, making it an essential tool for financial management.