Free Credit Report Once A Year

*  creditbuilder is not only simple, it comes at no extra charge
    * No credit checks necessary
    * No bank account needed
    * No additional charges
    * No interest to pay

As soon as you are a fully verified Sterling Card customer*, you are eligible to join creditbuilder.

How it Works

    * Available when you have a sterling Card
    * Complete the application and send it to us with a copy of your identification(See application form) and get creditbuilder added to your Sterling Card account for one year
    * Advanced Payment Solutions Limited will then loan you £71.40 to pay for one year's use of your Sterling Card - the loan is only available for this purpose
    * No Interest charges
    * No administration fees
    * No extra charges
    * To improve your rating, you must make sure you have at least £5.95 in your Sterling Card account each and every month for the duration of your loan.
    * The usual monthly fee of £5.95 is taken from your account and you can use and top up your card as normal
    * After 12 monthly payments, your loan will have been paid
    * Details of your loan repayment history are then sent to the credit bureau.
    * As long as you carry out the steps we’ve outlined to you, and manage any other credit or loan accounts responsibly, you should see your credit rating improve.

For whatever reason you'd like to improve your credit rating, our creditbuilder can help.