How it works

Create your credit builder account

If you have poor credit or no credit at all, this is the first step towards putting it right

Build your action plan

Find out what’s holding you back and get a plan for how you can boost your score 

Make your payment

Each monthly payment will build your credit history

Watch your score improve

As you grow your credit history, your score will also improve

Get Started

Credito is a registered trading style of Credit Intelligence Limited. Credit Intelligence Limited is registered in England and Wales (Company number: 08552150).

Registered Office; Quint Group Ltd, Glasshouse, Alderley Park, Nether Alderley, Cheshire SK10 4ZE. Licenced by the Information Commissioner's Office, (Registration number: ZA079407).

Credit Intelligence Limited is an Appointed Representative of Quint Group Limited and is entered on the Financial Services Register under reference number: 739008.

Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450.

Credito is a licensed credit broker and not a lender. Subscribing to Credito requires you to take out a 0% APR (interest free) loan with unregulated lender, Credit Builder Loans Limited. You must be 18 years or older to use Credito. Terms and conditions apply.

"Credito is great for people who keep getting turned down for credit and want to break the cycle and understand why. We provide powerful tools and insight to improve your borrowing power and put you back in control of your loan search."

Our credit builder account is a great alternative to a credit card for people with bad credit or limited credit history. Our credit builder account will build your credit with the major credit bureaus without the need to manage expenditure or risk interest charges like you would with a credit card. Acceptance is also guaranteed so what are you waiting for!

Credit Card or Credit Builder?

Our Credit builder account is a great alternative to a credit card for people with bad credit, with acceptance guaranteed.

Get Started

Start Building your Credit Score today!

Unlimited access to your credit report and score

Personalised score improvement plan

Dedicated credit coach

Credit builder account builds your credit footprint