Building a better credit score

Credit Boost is a customer-facing tool that helps users strengthen their credit profile using alternative data. By reporting on-time telecom payments and responsible financial behaviour through open banking, it enables people to build or repair their credit score without taking on new debt.

This tool empowers businesses to offer real, long-term financial value to users while improving retention, engagement, and trust. Whether you’re a mobile provider, lender, or fintech app, Credit Boost turns everyday account activity into meaningful credit progress.

How it works

With user consent, Credit Boost tracks key financial behaviours that reflect creditworthiness but often go unreported—such as on-time SIM-only payments, regular income, and stable expenditure patterns. These behaviours are shared with leading UK credit reference agencies to support score improvement over time.

It also provides users with clear, app-friendly updates on their credit-building progress and what they can do to improve further.

Here’s a simplified sample of backend output data:

{
  "user_id": "918273645",
  "credit_boost_status": "active",
  "reported_behaviour": ["on-time_mobile_payment", "steady_income", "low_utilisation"],
  "score_impact": "+22 (estimated)",
  "timestamp": "2025-04-14T14:42:00Z"

This can be used to generate monthly reporting, user-facing dashboards, or score improvement visualisations.

Inclusion, engagement, and retention

Credit Boost supports underserved or credit-invisible users such as new-to-country residents, young adults, or those recovering from poor credit. It gives them a new path to financial health using the payments they’re already making.

For businesses, this drives long-term loyalty and positions your brand as a trusted financial ally. It’s ideal for mobile networks, neobanks, or credit-building platforms looking to add real value beyond a transactional product.

Why credit matters

Over 5 million people in the UK have limited or no access to mainstream credit due to thin or poor credit files. Yet many of these individuals pay their phone bills and manage money responsibly every month.

Credit Boost gives these behaviours a voice supporting fairer access to credit, higher acceptance rates, and greater financial wellbeing. It also contributes to a healthier customer base and reduced default risk.

Get started

Want to help your customers improve their credit without added debt? Credit Boost makes it easy to turn mobile plans and financial stability into stronger credit scores. Compare packages or request a demo to see how it fits into your platform.