Creditbuilder
Build your credit score
Who is Creditbuilder for?
If you don’t have a credit history or want to improve your credit score, Creditbuilder can help with everything from getting a mobile phone contract to having your mortgage application approved.
Don’t currently have an Activeplus account?
New applications for our Activeplus account are currently closed on our website. If you already have an Activeplus account, you can add the Creditbuilder tool in-app or in Online Banking.
How Creditbuilder works
Activeplus account customers
Once you’ve activated your Activeplus card, you’ll find the Creditbuilder tool online and in the Zempler app.
Please note new applications for Activeplus are currently closed on our website.
Make payments & track progress
Creditbuilder is a 12-month commitment to paying your monthly £5.95 account fee on time.
Track your progress through the Creditbuilder dashboard in-app or online, where you’ll find your payment dates, outstanding balance, and payment history.
Grow your credit score
We’ll report your monthly repayments to credit reference agencies, which will build your business credit score.
This isn’t an overnight fix, but you could see an improvement within months.
Representative example
Payments: 12 monthly payments of £5.95
Total amount payable: £71.40
Interest rate: 0%
Representative APR: 0%
Need to know
- You must be able to afford to make all your 12 monthly payments of £9 on time, as missing a payment can harm your business credit score.
- You can cancel within the first 14 days. Otherwise, you're committed to making the 12 monthly account fee payments
- Creditbuilder isn’t a loan or credit card, so you won’t get money when you use it.
Start building your credit score
Add Creditbuilder to your Activeplus account in-app or online. Get answers to your questions about Creditbuilder in our online Help section .