Credit Spotlight

Credit Spotlight is for anyone who wants a comprehensive look at their credit health and guidance to build it without the need of a monthly paid membership, and since Credit Spotlight only requires a ‘soft’ credit check, it won’t have any impact on your credit score.

While Pave Lite and Pave Plus are membership subscriptions with monthly fees, you can access Credit Spotlight for a one-time payment of £3.

For that £3, Credit Spotlight can:

1. Show you your TransUnion credit score
2. Help you understand the different factors used to calculate your score, such as:
   • Credit Utilisation
   • Payment History
   • Defaults
   • Electoral roll registration
3. Recommend clear action steps that you can take to improve your credit health.

How does it work?

When you sign up for Credit Spotlight, you will be asked a few simple questions about your credit history to link your Pave account with your TransUnion credit file. 

We then use the information in your TransUnion credit file to generate insights and guidance that are shared with you via the Pave app on your phone.

Here are a few examples of how this might look in the Pave app:

If you wish to receive further score updates and new insights from Pave over time, you will need to sign up for a Pave Plus membership.