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Consulta las opiniones de los clientes

Valorada con 5 estrellas sobre 5

I've been using Pave for well over a year and my credit score has not only gone up but I've gained much more awareness of my habits. I'm now on the road to sorting my spending habits to a stable... Ver más

Valorada con 5 estrellas sobre 5

Would have never trusted an "app" that increases your credit score but holy damn, it actually works! My credit score is super low atm due to cost of living yadda yadda and having to choose between foo... Ver más

Valorada con 5 estrellas sobre 5

I’ve been using the Pave app for a while, and I’m thrilled to see my credit score steadily improving. This month, my TransUnion score increased by 48 points, which feels like a great achievement! The... Ver más

Valorada con 5 estrellas sobre 5

Maria was super helpful in answering all the questions I had. She was especially helpful with fixing the payment date issues I was having across my transactions. Friendly and helpful guidance whe... Ver más

Información sobre la empresa

  1. Servicio financiero no bancario

Escrito por la empresa

Pave offers a new way to build credit. Signing up takes under 3 minutes and there’s no hard credit check, interest or APR. Download the app to build your credit score with all major UK Credit Reference Agencies and see and track your credit score for £9/month.

Información de contacto

4,7

Excelente

TrustScore: 4.5 sobre 5

2 mil opiniones

5 estrellas
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3 estrellas
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1 estrella

Ha contestado el 50% de las opiniones negativas

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Valorada con 5 estrellas sobre 5

Great so far

Great so far, credit score is improving, the main thing is the apr is not high so it is looked a in good regard when applying for more ages etc, I tried loqbox and the apr was too high doing damage more than helping

4 de septiembre de 2024
Opinión espontánea
Valorada con 5 estrellas sobre 5

Why I chose Pave.??

I chose Pave credit to help me sort out my bills and accounts as I needed a lot of help. Pave has given me an opportunity to see what needs work done and what is going correctly to help understand my financial...

1 de julio de 2024
Opinión espontánea
Valorada con 5 estrellas sobre 5

PAVE 10/10

Pave is a great start if you have crap credit…

I use Pave alongside Zilch, Loqbox and Bits. I use my debit card and attach to my zilch credit card as the zilch card has an automatic autopay or pay in 3 (which is also a credit builder platform) and it allows me to manage all my credit builders through one credit builder (life hack :) ) best bet to boost credit very fast with more points is to use the apps mentioned above as they report to 3/3 credit bureaus. BIG P.S Make sure to pay on time lol it will mess you up… if you dont pay, all of these guys do report however there is some sort of grace for missed payments before they report you will br notified quiet alot.

If you have a poor credit and want drastic improvement i suggest downloading Pave NOW, its cheap and cheerful for what they offer and what they do for you in the long run. Think about it like this, £9 per month and a credit card company (pave) reports that you are keeping up with repayments to 2/3 credit bureaus, lenders begin to see you have financial literacy fast forward 6 months from now, you are guaranteed to be accepted for a credit card limit of £300 from an actual credit card company e.g. Aqua. This is literally the start of your credit journey :)

Shoutout to Pave, really innovative way to liberate the financially restricted people :)

9 de agosto de 2024
Opinión espontánea
Valorada con 5 estrellas sobre 5

I’d got a problem to connect my TU…

I’d got a problem to connect my TU record when I join the membership. The support team (Maria, thanks a lot)was responded very quickly and provided solutions for me. Luckily, issue was solved. Amazing! Hope Pave can help improve my CS and will share my experience later. Cheer.

3 de agosto de 2024
Opinión espontánea
Valorada con 1 estrellas sobre 5

I used pave for a whole year paying…

I used pave for a whole year paying it's monthly fee and not a single thing changed on my report. Pave literally took my money for a whole year for nothing...they skanked me.. Avoid at all costs .

3 de agosto de 2024
Opinión espontánea
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Respuesta de Pave

Hi Emia,

We're sorry to hear that you are not seeing any changes on your credit report after a year of being a Pave member.

Your Pave membership is reported as a credit account and your monthly payment behaviour to Pave should reflect on your credit report. Depending on your membership, you can be reported to just one or all three credit reference agencies (CRAs). It is important that you are reviewing the credit report from the CRA to whom we reported you.

We hope you'd give us the opportunity to look into this. Could you please email us at team@paveapp.com with the email address that you signed up with so we can look at the information we reported to the CRAs throughout the course of your membership?

Thank you very much.

All the best,
The Pave Team

Valorada con 5 estrellas sobre 5

Absolutely brilliant company

Absolutely brilliant company! for me probably the best to help sort out your credit rating!! they know how to help you. It is not overly complex. They offer credit lines if in need to help cover bills. They make it fun even working on how to get better credit. So glad I came across them : )

31 de julio de 2024
Opinión espontánea
Valorada con 3 estrellas sobre 5

It kinda works but not really

The reality is, they report a credit of £150 against you. But your score cares about the usage of 1% to 25% of that amount. Your credit score is built up of various things, one of them being your usage trend. Since Pave is reporting zero usage, this really does not affect your score at all. Maybe by a few points, if that.
You're better off finding a credit card company that will give you an initial £200 credit, which if you use correctly (1% - 25% a month), you will not only see your score increase but your initial credit amount will increase substantially!
This in my opinion is not worth it, not for a 12 months subscription. You can built a better score in 12 months without such services.

7 de julio de 2024
Opinión espontánea
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Respuesta de Pave

Hi Alex,

Thank you for your feedback and I'm sorry to hear that you do not recommend Pave.

I would like to highlight that reporting the revolving credit line attached to a Pave membership is just one of the many features that help our customers build their credit history.

To get the best outcome, we recommend using all Pave Plus features as outlined below:

1. Credit Insights - monitors your credit report and recommends personalised actions to help you increase your score.

2. Pave Rewards - helps you develop healthy financial habits by giving you a chance to earn cash prizes for completing challenges, such as paying bills on time.

3. Bills Protection - allows you to access a pre-determined portion of your Pave credit line when you don't have enough funds to pay for an upcoming eligible bill (subject to eligibility)

I hope this helps you understand our approach to helping you achieve a healthy credit file. If you have any other questions, feel free to send us an email at team@paveapp.com.

All the best,
Maria

Valorada con 5 estrellas sobre 5

New User Experience

Even though I am a relatively new user, my experience so far has been great. The app is very user friendly with clear guidance on improving my credit health. I would highly recommend using it.

6 de julio de 2024
Opinión espontánea

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