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350,000+ people trust Wollit

The Smart, Easy Way to Build Credit

We build your credit history with all 3 UK credit agencies. Helping you get approved for the things you need.

★★★★★ 4.5/5 on TrustPilot
Start building credit now
  • ✓ Instant setup
  • ✓ No credit check
  • ✓ Cancel anytime

Wollit is unregulated credit. Missed payments may appear on your credit file.

Reporting to

Experian Equifax TransUnion

Love Letters

Real stories from real people building their credit with Wollit

"My score went up 155 points in 48 hours"
"Improved my score by 250 points in two months"
"Got accepted for a credit card after just 2 months"
"From credit card rejections to mortgage approval"
"My score climbed from poor to good in 7 months"
"It's mad how big a difference it has made"
"My score went up 155 points in 48 hours"
"Improved my score by 250 points in two months"
"Got accepted for a credit card after just 2 months"
"From credit card rejections to mortgage approval"
"My score climbed from poor to good in 7 months"
"It's mad how big a difference it has made"
"I was very sceptical but in just 3 months it really does work"
"I thought it was a wind up"
"Why didn't I do this sooner? More than worth it"
"It's honestly the best £9 a month I've spent"
"Wish I had found it sooner"
"There is no limit to how highly I would recommend this"
"I was very sceptical but in just 3 months it really does work"
"I thought it was a wind up"
"Why didn't I do this sooner? More than worth it"
"It's honestly the best £9 a month I've spent"
"Wish I had found it sooner"
"There is no limit to how highly I would recommend this"
"Sign-up was super quick, I've left it in the background doing its thing"
"I love I didn't have to do anything after setting it up"
"You can just sit back and watch your credit score improve"
"Does what it says and easy to use"
"They replied instantly and sorted my problem straight away"
"Great customer support, second to none"
"Sign-up was super quick, I've left it in the background doing its thing"
"I love I didn't have to do anything after setting it up"
"You can just sit back and watch your credit score improve"
"Does what it says and easy to use"
"They replied instantly and sorted my problem straight away"
"Great customer support, second to none"
"Got a credit card for the first time in many years"
"I had no credit history but after a few months my score has gone up loads"
"If this was a boxing match I'm taking over in the championship rounds"
"Bad choices left my credit at 0, now I've been accepted for a credit card"
"I've been able to get approved for a couple of credit cards"
"Rent tracker is a life saver"
"Got a credit card for the first time in many years"
"I had no credit history but after a few months my score has gone up loads"
"If this was a boxing match I'm taking over in the championship rounds"
"Bad choices left my credit at 0, now I've been accepted for a credit card"
"I've been able to get approved for a couple of credit cards"
"Rent tracker is a life saver"

What's Included in Your Subscription

Automatic credit building with all UK credit agencies, plus 4 optional tools you can activate for faster progress.

Core Feature

Triple-Impact Credit Builder

Build credit history lenders love. We report your £9.99 subscription payments to all 3 UK credit agencies (Experian, Equifax, TransUnion) showing lenders you handle credit responsibly.

Plus 4 Bonus Tools

Activate them anytime to accelerate your progress

Rent Reporting

Turn your rent into credit power. Connect your bank once and we'll automatically report rent to Experian & Equifax every month showing lenders you pay your bills on time.

Affordability Boost

See exactly what lenders see when reviewing your income and spending and get personalised tips to strengthen your financial profile. Unique to Wollit.

Credit Smart Academy

Learn credit fundamentals. Master credit building with expert-designed interactive courses. Learn at your own pace.

Olli AI

Get 24/7 credit guidance. Your personal AI credit assistant provides instant answers about UK credit and your account.

Your Credit Journey in Trusted Hands

Backed by world-leading investors, we're here for the long term—so you can build credit with confidence

BBVA Anthemis Group Fuel Ventures Plug and Play TriplePoint Capital FORM Ventures

Get Started Today

Instant setup • No credit check

Start building credit now

FAQ

Wollit gives you an interest-free credit facility of £119.88 that covers your 12-month subscription. You repay this in 12 monthly payments of £9.99. We report each payment to all 3 UK credit agencies (Experian, Equifax, and TransUnion), building 12 months of proven payment history. Your credit builds automatically each month—no extra work required. You also get instant access to 4 bonus tools to accelerate your progress.

Important: You don't receive cash—the credit facility pays for your Wollit platform access. This is unregulated credit and not regulated by the Financial Conduct Authority.

Automatic Credit Building: Monthly payments reported to all 3 UK agencies—this is your core benefit

Plus 4 bonus tools:

  • Rent Reporting: Turn rent into credit history
  • Affordability Boost: See your finances through lenders' eyes—exclusive to Wollit
  • Credit Smart Academy: Interactive courses on credit and financial health
  • Olli AI Assistant: 24/7 personal credit expert for instant guidance

The bonus tools are powerful extras you can use when you need them, but they're completely optional.

Day 1: Instant access to all Wollit tools
Week 2-4: First payment appears on your credit file
Month 6-12: Many members report improved credit outcomes

Results vary based on your starting credit situation, but consistency is key—the longer you stay with Wollit, the stronger your credit history becomes.

Yes. We use FCA-regulated Open Banking partner TrueLayer to connect your bank account, which means bank-level encryption protects your data. We never see your passwords, we can't move your money, and we only have read-only access to the information we need. Wollit is registered with the Information Commissioner's Office (ICO registration number ZA554988).

Yes. You can cancel your Wollit subscription at any time with no penalties or fees. Your subscription will continue until the end of your current billing period, and you won't be charged again. The credit history you've already built remains on your credit file even after cancelling.

Better value: Most credit building services charge £15-25/month for similar features. Wollit is just £9.99/month (less than £0.33 per day) for automatic credit building plus 4 bonus tools.

Real ROI: Improving your credit score by just 50-100 points could save you £2,000+ on mortgage interest rates.

Complete solution: Unlike single-feature services, Wollit gives you everything you need in one place—from credit building to rent reporting to AI-powered guidance.

Ready to build credit?

The sooner you start, the stronger your credit file when you need it.

Start building credit now

No credit check • Cancel anytime