Pharoah Technology DEMO

Build your credit file — without taking on debt

An honest, non-conflicted credit builder: report the rent & bills you already pay to all three UK bureaus, see every score movement explained in plain English, and get an affordability check before you borrow.

Try the interactive demo ↓ No sign-up · no real credit file touched · nothing charged
This is a product demonstration, not a live credit service. All figures, scores and "bureau" statuses below are illustrative sample data entered by you — no real credit file is read or written, no data is reported to any Credit Reference Agency, and nothing is charged. Coaching is general information for illustration only, not regulated financial or credit advice. A live service would require FCA authorisation (credit information services) and Open Banking (AISP) authorisation. 18+.

1 · Report positive data to all three bureaus

Rent & recurring bills you already pay, added to your file. Sample inputs only.

Experian
— pending —
Equifax
— pending —
TransUnion
— pending —

Demo: bureau reporting is simulated.

2 · Your file & "why it changed"

Illustrative score band — every movement is explained in plain English.

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illustrative
  • i Enter sample data and select "Recalculate" to see explained movements.

3 · Affordability guard & what-if

Turns the regulator's top objection into a feature. Sample figures only.

£0 left—income
Share of take-home pay left free after this repayment
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4 · Ask the credit coach AI

Grounded in the sample figures above. General information, not advice.

You can build your file without borrowing a penny. Three things move it most: (1) keep reporting on-time rent and recurring bills — that's the positive data the bureaus now accept; (2) keep credit-card balances under ~30% of the limit if you have one; (3) stay on the electoral roll and avoid new applications for a few months. On your sample figures you've got about £420 free each month, so you're not over-stretched. This is general information for the demo, not regulated advice.

↑ Sample answer. Pick a question and select Ask the coach for a fresh, figures-grounded reply.