Credit can be a daunting thought for many people. But what if there were a credit improver tool out there that could help you make sense of it all? Enter Portify, the app tailor-made for credit building.

We have all checked our credit score online and been left feeling lost. Although sites such as ClearScore and CreditKarma show you your score, they often give generic advice that is used across the board. They don’t come with a dedicated credit builder tool, and credit builder cards can lead to unnecessary debt if used without the correct guidance.

  • What makes Portify different?
  • How does Portify work?
  • What members are saying


So, what is it that makes Portify stand out from the rest? Not only does it offer a credit improver mechanism dedicated to you, but it offers you a new way to build your credit score, with no hard credit checks. The best part is that sign up takes a mere three minutes – you can do it whilst you are waiting for the kettle to boil and enjoy your cup of tea knowing you’re on the way to improving your credit.

Another aspect of this credit improver is that you can build your credit score through a monthly membership, with no large fees required. Being left with a hefty bill and more debts is the last thing you want or need when you are trying to improve your credit score.

You can also rely on Portify’s bank-grade security and read-only access. This means your data is safe, with end-to-end encryption to ensure the upmost security. Read-only access means Portify only has access to your transaction data and cannot access or move your money.


As far as credit apps go, Portify is honest and reliable, genuinely wanting to help customers improve their credit scores. They aid those who need a credit improver by helping them slowly and steadily build up their score and admitting to them that it takes time and continuous effort to see results. There are no false promises of wiping the slate clean or leaving you with a high credit score after a mere week or two.

Portify partners will all major UK credit reference agencies in order to improve your score. For just £5 per month, you could start building your Experian credit score. For £9 per month, you can build your score with all major credit reference agencies, not only Experian. These credit reference agencies include Transunion and Equifax. By reporting your membership fee payments, this aids the improvement of your score.

Members can see and track their credit score via the app, on Portify Plus. Portify is not just a credit improver tool, though. Using Open Banking, members can track their income and expenses through the app. Portify will also send you smart reminders. These reminders notify you of any upcoming bills or expenses, and let you know if there’s any bills you may not be able to afford, or that may affect your credit score negatively. Another addition to the app is the expense predictor. This analyses your spending and payments, and shows you how likely you are to go below having £0 within the next 7 days.

Typically, users start to see their credit scores improving after three to four months of using the app after sign up. As previously mentioned, building a good credit score takes time and consistent effort, therefore through consistently paying for your membership with Portify, your score can gradually build.

Excitingly, Portify will soon be bringing out new features as well, like credit utilisation which will show how much of your credit you are using and how this may impact your score.


It is recommended members maintain good financial behaviour whilst using the app, in order to ensure the best results. However, the reviews speak for themselves. Portify boasts a rating “Excellent” on Trustpilot, scoring an outstanding 4.8 out of 5 on the ratings scale.

Reviews include that of Colleen, who says, “Using Portify to build my credit score has been brilliant! It’s a relief to see a gradual increase in my points over time and feels incredibly productive. I don’t even notice the payment going out”. Many of the reviews also comment on the brilliant customer service, and the helpfulness of the team behind the app. Thus, you know help is always at hand when you need it.

So, what are you waiting for? Are you ready to crack down on your credit and use a credit improver that…well, actually improves your score? You can get started by downloading the Portify app here.


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