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

Improve your credit position with Rent Reporting

Step 1

Create your account

Get started in seconds

Improve your credit position with Rent Reporting

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

Improve your credit position with Rent Reporting

Step 1

Create your account

Get started in seconds

Improve your credit position with Rent Reporting

Step 1

Create your account

Get started in seconds

Improve your credit position with Rent Reporting

Step 1

Create your account

Get started in seconds

Improve your credit position with Rent Reporting

Step 1

Create your account

Get started in seconds

Improve your credit position with Rent Reporting

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.

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Boost your credit position

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

Make your rent count

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

Make your rent count

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

One rent, multiple lenders

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

One rent, multiple lenders

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

Rent Reporting

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 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.

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.

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.

Join 2 million happy customers

We are on a mission to improve everyone's financial wellbeing.

Payment services (Non MIFID or Deposit related products) for Emma Technologies Ltd are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). For more detail on how your money is protected please see here. You can also find Currency Cloud's Terms of Use here.

Emma Technologies is an Introducer Appointed Representative of Quint Group Limited and not a lender. Quint Group Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 669450). Monevo Limited is an Appointed Representative of TransUnion International UK Limited. TransUnion is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 737740). Emma Technologies introduces customers first to Quint Group Limited, as a licensed credit broker, who then refers on to Monevo Limited.