Wollit

Wollit is a credit-building app that helps people with a thin or damaged credit history improve their standing with lenders. It reports rent payments and Wollit subscription payments to the main UK credit reference agencies each month, building a payment history that would not otherwise appear on a credit file.

The app also includes an affordability check that connects to a user's bank account to show the income and spending patterns lenders look at, an AI assistant for plain-English questions about credit, short educational content on how credit works, and a feature that surfaces existing regular bills that could also count towards credit history.

Wollit reports over 350,000 registered users and holds a 4.6 rating on Trustpilot. It suits people teams looking to offer employees a financial wellbeing tool aimed specifically at those newer to credit, rebuilding after missed payments, or new to the UK, rather than a general savings or pension benefit.