Frequently Asked Questions

Everything you need to know about how On The Go Credit works.

How does On The Go Credit improve my credit score?

Each month, your subscription payment is reported to UK credit bureaus as an on-time repayment. Over time, this helps build your positive credit history and can improve your credit score.

Is this a loan or line of credit?

No, there’s no borrowing or interest. Your subscription acts as a simulated line of credit to demonstrate financial consistency safely.

Which credit bureaus do you report to?

We report to Experian, Equifax, and TransUnion — covering the entire UK credit network.

Can I cancel at any time?

Yes, you can cancel directly from your dashboard. You’ll retain your existing positive history even after cancelling.

Will this affect my ability to get loans or credit cards?

On The Go Credit is designed to help you qualify for more products by building trust — not by adding debt. Lenders see your positive record as a sign of reliability.