Boost your credit position

Use your biggest expense – rent – to build your credit history for you.

What is rent reporting?

The perfect solution to make your rent count
Unlike mortgage repayments, rent tends to feel like lost money.
With Emma you can reap long term benefits from your timely rent payments by reporting it to all major credit agencies.
The perfect alternative to credit cards and loans
Building your credit history has never been easier.
No need to change your habits—simply connect your bank account and let Emma report your rent payments, without the hassle of credit cards or other financial products.
How it works
Get better credit history – it’s never been so easy.
Step 1
Create your account
Get started in seconds
Step 2
Connect your bank account
Securely link your rent payments
Step 3
Register your address
Verify and track your rent
Step 4
Let Emma do the work
Build your credit effortlessly
Step 1
Create your account
Get started in seconds
Step 2
Connect your bank account
Securely link your rent payments
Step 3
Register your address
Verify and track your rent
Step 4
Let Emma do the work
Build your credit effortlessly
How it works
Get better credit history – it’s never been so easy.
Step 1
Create your account
Get started in seconds
Step 2
Connect your bank account
Securely link your rent payments
Step 3
Register your address
Verify and track your rent
Step 4
Let Emma do the work
Build your credit effortlessly
Step 1
Create your account
Get started in seconds
Step 1
Create your account
Get started in seconds
Step 1
Create your account
Get started in seconds
Step 1
Create your account
Get started in seconds
Why keeping a strong credit history matters
A good credit history opens doors to better mortgage rates, credit card offers, and personal loans.
Lenders see you as a lower risk, making it easier to access financial opportunities and save money in the long run.
We work with all the top UK credit agencies
Lenders don’t all use the same credit agency. For example, Halifax might check Experian, while HSBC uses Equifax, and Lloyds and Barclays may use TransUnion. By covering all three, Emma ensures that your reliability is visible to a wide range of lenders.
How to improve
a bad credit rating
Limit new credit applications
Too many applications can negatively impact your score.
Make payments on time
Paying bills and credit obligations on time helps rebuild your score.
Check your credit report
Fix errors that could be harming your credit score.
Reduce outstanding debt
Lower credit card balances to improve your credit utilization.
How it works
Get better credit history – it’s never been so easy.
01
Create your account
Get started in seconds
02
Connect your bank account
Securely link your rent payments
03
Register your rent address
Verify and track your rent
04
Let Emma do the work
Build your credit effortlessly
How to improve a bad credit rating
Limit new credit applications
Too many applications can negatively impact your score.
Make payments on time
Paying bills and credit obligations on time helps rebuild your score.
Check your credit report
Fix errors that could be harming your credit score.
Reduce outstanding debt
Lower credit card balances to improve your credit utilization.
How to improve
a bad credit rating
Limit new credit applications
Too many applications can negatively impact your score.
Make payments on time
Paying bills and credit obligations on time helps rebuild your score.
Check you credit report
Fix errors that could be harming your credit score.
Reduce outstanding debt
Lower credit card balances to improve your credit utilization.
Discover more about your credit
See how Emma can help you improve your credit position.

Boost your credit position

Use your biggest expense – rent – to build your credit history for you.

Get started

Make your rent count

Make your rent payments count towards your credit report without taking out a credit card or loan.

Learn more

Make your rent count

Make your rent payments count towards your credit report without taking out a credit card or loan.

Get started
Get started

One rent, multiple lenders

Build your credit history with Experian, Equifax and TransUnion at the same time, every month.

Learn more

One rent, multiple lenders

Build your credit history with Experian, Equifax and TransUnion at the same time, every month.

Get started
Get started

Get your credit history on track

Building up your credit score has lots of benefits – lenders see you as lower risk and therefore are more likely to offer you better rates on credit cards, loans and mortgages.

Learn more

Get your credit history on track

Building up your credit score has lots of benefits – lenders see you as lower risk and therefore are more likely to offer you better rates on credit cards, loans and mortgages.

Get started
Get started

Leave the work to us

Keep paying rent as you do today. Emma securely reads the rent payment from your bank and automatically lets the credit agencies know.

Learn more

Leave the work to us

Keep paying rent as you do today. Emma securely reads the rent payment from your bank and automatically lets the credit agencies know.

Get started
Get started
Join 2 million happy customers
We are on a mission to improve everyone's financial wellbeing.