Your credit record is one of the most important things that can affect your ability to achieve your financial goals. Any time you apply for a financial product such as a loan, credit card or a mortgage to buy a home - a lender will look at your credit report to decide whether or not to lend to you.

You likely have a credit report at the three main Credit Reference Agencies, Experian, Equifax and TransUnion. One of the great things about Pillar is that we report your usage of Pillar to all three, meaning you are building a fuller credit profile.

We also provide you access to all three scores in the app for free! It's important you look at all of your scores to get a full picture of how your credit file looks.