You could improve your credit rating with icount

How can using icount improve my credit rating?

You now have the chance to take back control of your finances and establish your credit profile with a unique credit building facility. Creditbuilder is a unique tool available to Pay Monthly cardholders which could improve your credit rating (0%APR Representative).

  • Apply for Creditbuilder via the Members’ Area on the website.
  • You will be loaned a full year’s worth of monthly fees in advance. This loan is never available to spend and no actual money changes hands…think of it as “virtual”
  • As you pay your monthly fees off each month, you are effectively paying off the loan – showing a consistent payment history. We pass this information on to the credit reference agencies.
  • Ensure all your monthly payments are maintained by loading your card each month as this demonstrates your ability to manage credit responsibly.

As long as you continue to meet any other credit repayments you have, then you should expect to see an improvement in your credit rating and your ability to borrow money.
To start using  Creditbuilder now, log into the Members’ Area now, or if you’re new to icount, apply for an account now, it takes only a matter of minutes and you will receive your account info immediately*!

How can Creditbuilder help me?

  • Establishing a credit profile
    One aspect which lenders look at when creating a credit profile for you is your borrowing history and whether you have successfully repaid your loans. Lenders can discriminate against people who have just turned 18, those new to the UK and anybody else who has not had credit before.  Creditbuilder can help you form the foundations of a credit profile which demonstrates that you are a reliable and creditworthy borrower.
  • Improving your credit rating
    If you know you have a poor credit rating due to being refused credit in the past, then our credit building facility can help improve your chances of being accepted in future credit applications by adding loan repayments to your credit history. See below for more details on how this works.
  • Improving your credit history
    If you have missed repayments on any loans or credits cards, or even had CCJs on your record then lenders could see you as a bad credit risk. We can help you counter this by adding loan repayments to your profile which could have a positive effect on your credit rating.




Get Your Card

Start enjoying your new card within 3-5 working days.

Recently arrived to the UK and unable to open a bank account? Try icount as an alternative.

Running short on funds? Apply for an overdraft of up to £250 to prevent bills mounting up

Students benefit considerably by utilising icount, paving the way for healthy money management.

Add the award winning Creditbuilder facility to your Pay Monthly account - 0% APR Representative.

Pay for your essential and everyday bills with icount whether online, in store or over the phone.

You can download your transactions and submit for your work expenses...and apply for a business account.

Shop online or in store wherever you see the MasterCard Acceptance Mark for those everyday purchases.

icount is a great alternative to a mainstream bank account and you are guaranteed to be accepted.*

Safeguarding you against the unexpected, all accounts come with FREE purchase protection.

Hit Apply Now

Hit the 'Apply Now' button to be taken to the application form.

Struggling to open a bank account due to debt problems? We can help.

Get cashback & exclusive rewards when you shop online with icount.

Whether for personal budgeting or household money sharing. Keep on track with icount.

Complete the Application Form

Complete the quick application form to get your icount prepaid Mastercard®. Once we verify your name and address the card is yours!

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Improve credit rating

Updated on 2015-08-04T19:18:12+00:00, by Paul Gailey.