Portify is a credit-building app that helps you improve your credit score by working with Experian, Equifax, and TransUnion. The app comes with two membership options: Pave Plus and Pave Lite. Pave Plus, priced at £9/month, works with all major UK Credit Reference Agencies and tracks your TransUnion credit score. The app provides personalized monthly credit fixes and builds your credit score by sharing your positive on-time payment behavior. Pave Plus also offers a 12-month money-back guarantee if your credit score doesn't improve. Pave Lite, priced at £5/month, builds your TransUnion score by improving your payment history. The app also offers a money-back guarantee if your credit score doesn't improve. However, Pave cannot guarantee to build your credit score with their memberships.

Users of the app have reported significant improvements in their credit score. The app is easy to use and provides personalized credit fixes. However, some users have reported that it took several months to see results. Pave is authorized and regulated by the Financial Conduct Authority and is VAT registered. Credit facilities are provided by Portify Financial Services Limited, which is an Appointed Representative of Portify Limited.