Credit & Homeownership
How rent reporting supports your credit profile, and the steps towards buying.
Your credit score
Your score includes verified rent alongside the rest of your credit file. Reporting can help build a history. It does not guarantee a mortgage.
Rent-reporting status & history
Reporting and rewards are separate systems with distinct status and audit trails. Data correction and consent controls live in Account & Privacy.
Build a stronger profile
Pay bills on time
Consistent on-time payments are the strongest signal in a credit history.
Manage credit utilisation
Try to keep balances low relative to your limits.
Check the electoral roll
Confirm your address details are registered — it helps identity checks.
Avoid unnecessary applications
Each full credit application can leave a visible footprint.
Mortgage-readiness checklist
Tick these off as you go. This is a guide, not a mortgage decision.
Mortgage brokers
Consent, privacy & corrections
You control enrolment, can withdraw consent, and can request corrections to any reported data at any time.
Manage consent & data