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. 

Screenshot of the credit score alert from credit builder Portify on the app homepage. The alert will inform you of a bill that we've predicted you won't be able to pay

That’s where our new feature comes in to help! 

Portify users will now be notified if our system detects an upcoming bill that you may not be able to pay.

Screenshot of the Credit Score Alert bill details from credit builder Portify. The alert warns you that there are upcoming bills that you might not be able to pay and if not paying will impact your credit score.

How do we know? When you’ve connected your bank accounts that you pay your bills from we will identify what bills you pay regularly and analyse your income and balance. If there’s a bill coming up in the next 7 days that you won’t be able to pay – we’ll let you know. 


How it works: 

  1. You connect the accounts you use to pay your bills to the Portify app
  2. In the background, Portify will analyse your transaction history and identify regular recurring expenses and income
  3. Portify will then analyse your upcoming bills, income, and current balance every morning and predict whether you may not be able to pay an upcoming bill 
  4. If our model recognises you may not be able to pay a bill that/s coming up in the next 7 days we’ll send you a push notification


Lauren Robson is the digital communications manager at Portify.
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