Everything You Need to Know About Credit Reference Agencies

What are Credit Reference Agencies? Credit Reference Agencies decide your credit score. A credit reference agency (CRA) is an independent organisation that collects and stores financial data about you for the purpose of helping lenders decide whether you should be approved for financial products like credit cards, loans or…

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We are launching our latest feature: Bills alerts!

Life can get busy quickly and when you’re under stress, it’s hard to remember everything. Sometimes paying a bill can slip your mind but not paying one bill can have a long-lasting impact on your credit score.  That’s where our new feature comes in to help!  Portify users will…

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Halifax Credit Checker Explained

Halifax (owned by Lloyds Banking Group), is a major UK banking institution that started as a building society in (you guessed it) Halifax, West Yorkshire. They have been around since 1853 and are known for a wide array of products and services including: Current & Savings Bank Accounts Loans…

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Credit Builder Card Alternatives

Credit builder cards are credit cards designed for people with no credit or poor credit, who want to raise their credit score. Read: Credit Builder Cards ExplainedYour credit score is a lenders’ way of assessing your financial stability when deciding if you qualify for a loan or credit line. …

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Credit Builder Cards Explained

Credit builder cards offer another way of building credit for those who have bad or no credit. But are they worth it for you and your financial situation? In this post we will cover everything you need to know about credit builder cards and explain how they are used…

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8 Ways to Build Your Credit Score You Didn’t Know About

1. Use a Store Card 2. Report Rental Payments to Credit Agencies 3. Use Credit Builder Apps to Build Your Credit Score 4. Switch to a Credit Meter to Report Utility Payments 5. Get a Credit Builder Loan 6. Set up Direct Debits on Bill Payments 7. Get on…

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How to Remove a CCJ From Your Records

A CCJ can appear on credit records a couple of days after the judgment is rendered. A CCJ can stay on your credit file for up to six years. This is why it’s critical that you look at ways you can remove a CCJ from your credit file as…

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How to Repair Credit in the UK

Your credit score explained in the UK How to Improve Your Credit Score in the UK How to Build a Credit Score After Moving to the UK Portify App: Build Your Credit Score Your credit score explained in the UK Your credit score is a number that represents your…

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What is a Credit Builder Loan?

What is a Credit Builder Loan? Where do I Apply for a Credit Builder Loan? How Does a Credit Builder Loan Improve My Credit Score? What is the Process for Getting a Credit Builder Loan? Other Alternatives for Building or Repairing Your Credit You probably already know that poor…

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The Ultimate Credit Builders for 2020

Building credit can feel like a catch-22. You are told you need to apply for a credit card or take out a loan so you can prove you're capable of continually paying it off on-time. However, you might not be able to get a loan or will only be…

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