How does Portify Lite work?

Portify Lite can build your Experian credit score by improving your repayment history.

Repayment history is the largest impacting factor on your credit score as it makes up 35% of your overall Experian credit score, so improving this can be an effective way to improve your score.

We report your Portify Lite membership as a 'rental agreement' when we report your membership fee payments to Experian every month. Our agreement with Experian means we can do this without performing a hard credit check.

All you need to do is pay your membership fee on time, and this can build your credit score.

Please note that Portify memberships cannot guarantee to improve your score. Portify Lite is reported as account type 64 - other rental to Experian.