Want to improve your credit rating?
If you’ve had problems with credit in the past, never had credit, been hit by CCJ's or you’re new to the UK, Creditbuilder™ could help improve your credit rating.
There are lots of reasons why you should say yes to adding Creditbuilder to your Cashplus card’s account at no extra cost to you:
- No credit checks
- No Bank account needed
- No interest to pay
- No admin fees and no extra charges
Add Creditbuilder to your Cashplus prepaid card
Cashplus was the first card in the UK to offer this valuable feature. And once you have the card, adding Creditbuilder is easy. Just get a Cashplus account with Total Access and a monthly pricing plan. If you don’t already have a Cashplus card, order one now, and if you have a Cashplus card with Express Access, just upgrade your account.
Once you have an account with Total Access and a monthly pricing plan, simply:
- Go to the Members Area
- Login and just click the Creditbuilder button the left hand side
- Follow the simple onscreen instructions
After you've signed up for Creditbuilder in the Members Area we'll send you an email to confirm we've received your registration – and when we set up your Creditbuilder account, we’ll send you a welcome email.
Establish your credit profile
Lenders like to see that you’ve successfully repaid debts in the past before they give you credit. If you’re new to the UK, only 18 or never had credit before, you may suffer from a ‘thin credit file’. Creditbuilder is a proven way to add information to your credit profile and can show that you’re a reliable, creditworthy customer.
Improve your credit rating
If you’ve been refused credit or can only get credit with a high APR, you may be suffering from a low credit rating. The more loans you’ve successfully repaid, the better your credit rating’s likely to be. Creditbuilder could add loan repayments to your credit history without costing you any extra. This could improve your chances of being approved for credit in the future.
Improve your credit history
If you’ve missed payments on credit cards or loans or have County Court Judgements, lenders could see your poor credit history and see you as a bad risk. Creditbuilder can add successful loan repayments to your profile and that could improve your credit rating.
How Creditbuilder works:
- APS lend you a full year’s-worth of monthly fees in advance, interest-free. The loan is paid to AFL, so no money changes hands and it’s never available to spend
- Just repay the loan with 12 small monthly instalments and we pass on your payment history to the credit reference agencies
- Make all your monthly payments on time and you’ll have proved that you can manage credit responsibly
Assuming you manage other credit responsibly your credit rating should improve.
What’s more, on top of helping you to improve your credit rating, you’ll be able to use your Cashplus prepaid Gold MasterCard to make purchases and withdrawals wherever the MasterCard acceptance mark displayed.
There’s no catch
Creditbuilder works exactly as we’ve described it and has already helped thousands of people. Remember, you don’t pay a penny more with Creditbuilder than you would with a normal Cashplus account. Please see ‘All about credit’ for information on getting a better credit rating.
Getting Creditbuilder is simple, just sign up now.