CreditLadder - Making Rent Count® and helping tenants since 2016.
What is Rent Reporting from CreditLadder?
- Your rent payments can improve your credit score - join over 200,000 tenants who have already signed up to CreditLadder.
- Improvements to your credit score can help improve your likelihood to get accepted for a loan or credit card.
- Keep paying your rent as you do today. CreditLadder securely reads the rent payment from your bank account and lets the Credit Reference Agencies (CRAs) know.
- Report to one CRA for free. Report to all three (Experian, Equifax, TransUnion) for the equivalent of only £5/month and receive maximum benefit.
- An 'excellent' credit score could save you £19,000+ over the course of a lifetime (Source, Equifax).
- UK customer support staff to help with any questions you might have.
Why choose Rent Reporting from CreditLadder?
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The UK's most experienced rent reporting provider.
We've spent over 10 years helping tenants build their credit histories and have reported more rent payments to the UK's three major CRAs than anyone else.
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Report to all major Credit Reference Agencies.
Your lender may check your details with more than one CRA. That's why reporting to all three helps maximise the visibility of your rent payment history when applying for credit.
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Real UK-based customer support.
Need help? Our friendly UK team is on hand to answer your questions, with 99% enquiries answered within one working day.
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Expert help when you move home or your rent changes.
If you move home or your rent changes, we'll help keep your rent reporting accurate and uninterrupted. Not all providers offer this service, which could leave gaps in your reporting history.
Lenders typically check more than one CRA which is why we recommend you report your rent to Experian, Equifax and TransUnion.
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CreditLadder does more than just report your rent payments.
That's why you can also earn cashback when you shop and receive rewards every time we successfully match your rent payments.
CreditLadder Cashback
New- Benefit from cashback on your shopping when you sign up to any CreditLadder plan.
- Receive cashback from over 200 leading brands including.
- Simply choose where you want to shop, purchase an instant gift card, and have your cashback added directly to your CreditLadder wallet.
Up to 5.5%
Cashback
Up to 5%
Cashback
Up to 4.5%
Cashback
Up to 4.5%
Cashback
Up to 4.5%
Cashback
Up to 4%
Cashback
Up to 4%
Cashback
Up to 3.5%
Cashback
Up to 3.5%
Cashback
Up to 3%
Cashback
Up to 2.5%
Cashback
Up to 2.5%
Cashback
Up to 2.3%
Cashback
Up to 2%
Cashback
Up to 2%
Cashback
Up to 1.5%
Cashback
Up to 1.3%
Cashback
Up to 1.3%
Cashback
Up to 1.3%
Cashback
Up to 1%
Cashback
Rent Rewards
New- Pay your rent. Get rewarded.
- Get £5 CreditLadder Cashback for every 4 months of rent reported.
- Can be redeemed against any paid plan.
- More rewards coming soon.
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.
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| CredAbility |
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| Credit Karma |
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| Credit Engine |
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| Experian CreditExpert |
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| Equifax Credit Report & Score |
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| MoneySupermarket |
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| Money Saving Expert (MSE) Credit Club |
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| TotallyMoney |
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| TransUnion Credit Report |
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Join over 200,000+ 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!”
“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”
"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."
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Frequently asked questions
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CreditLadder has reported more rent payments to the three biggest UK credit reference agencies (Experian, Equifax and TransUnion) than anyone else.
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CreditLadder have reported over £2bn in rent payments for our customers!
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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 three 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. -
CreditLadder does not collect your rent - you keep paying it as you do today. Visit our Help Centre if you would like more information.
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Unfortunately, none of the Credit Reference Agencies support the reporting of previous rental payments. Should this ever change we will inform all customers but we don't anticipate this to change in the near future.