Rent Tracking

Paying rent? Improve your credit history.

Great news - you can now use your rent payments to build your credit history. Rent Tracking is totally free and is the best way to build your credit history without taking on new debt.

tenants tenants

Paying Rent? Get Rewarded

Paying Rent? Get Rewarded

We believe every renter deserves to have their rent count towards their credit history. Sign up today to make sure each payment you make goes towards building a stronger financial future and a step towards home ownership.

There is no need to change the way you pay your rent. You pay it as normal.
Join Patch

How it Works

Using Patch to track your rent is easy

We've made our rent tracking super simple and quick to set up. Unlike other schemes, you don't need to tell your landlord and you don't need to send us your rent.

Sign Up

Sign up

It takes less than 3 minutes.

 Connect to your bank

Connect your bank

We only ever use secure and regulated read only access.

We track your rent

We track your rent

Patch identifies your rent and lets Experian know.

Join Patch

Patch Rent Tracking is Free

Use your rent to build your credit history

No need to involve your landlord

credit score

"Patch Rent Tracking is a no brainer. It increases your credit history and it's free. Brilliant!"


Alex H, London SE22

Hello Anne,
Your credit history is improving:

Very good

Frequently Asked Questions

What is Rent Tracking?

Rent Tracking is a new way of boosting your credit score. We track your rent payments to your landlord or agent. If you pay on time, we report this to the credit reference agency Experian and they add this information to your credit report...

How much does Rent Tracking cost?

Our Rent Tracking service is free to use.

How does Rent Tracking work?

It's very easy.

  • Sign up to Patch
  • Connect your bank account
  • Pay your rent
  • Patch reports your rent payments to Experian
  • Your credit score increases

How does Rent Tracking improve my credit score?

Your credit score improves each time a new, positive record is added to your credit report such as making a payment on time. Your rent is a now qualifying payment.

How do I see what you've tracked?

You'll start receiving the benefit of Rent Tracking as soon as you sign up. You won't actually be able to view the information in your Experian credit report until around three months after signing up...

What if I change property?

Not a problem. It's easy to continue Rent Tracking. Log into your Patch account after you make your last rent payment to your old property and let us know about your new place...

What is a Patch Deposit?

Patch will pay the security deposit on your new home, or send your current deposit back to you, in return for a small monthly subscription.

Will my landlord or agent accept a Patch Deposit?

Yes. We send your landlord or agent a traditional cash deposit. To your landlord, it's the same as if you'd sent the deposit yourself so there's no need to tell your landlord or agent that you're using Patch.

How does a Patch Deposit work?

It's simpl...

  • Create a free Patch account
  • We let you know upfront exactly how much your monthly subscription will be
  • You tell us when and where to pay your deposit
  • We send your deposit, in cash, directly to your landlord or agent

What if I haven't found my new place yet?

No worries. Your deposit can be preapproved for up to 30 days.

What do I need to do to be eligible for a Patch Deposit?

To apply for a Patch Deposit you need to be a UK resident employed with a regular income, hold a UK bank account and be 21 years old or over...

What does a Patch Deposit cost?

We charge a monthly subscription payment based on your deposit size and overall credit profile...

Can I use Patch if I've already sent my deposit to my landlord?

Yes. If you've got savings locked up in an existing deposit and need them back for an unexpected expense Patch can help.

Will Patch work with my property?

Because we send a cash deposit directly to your landlord or agent, Patch works with any deposit, on any property, anywhere in the UK.

What's the maximum amount I can unlock?

We can unlock any deposit from £300 to £4,000. The maximum we can offer you within this range depends on your personal details.

What does a Patch Deposit cost?

We charge a monthly subscription payment based on your deposit size and overall credit profile...

I've got housemates. Can I still get a Patch Deposit?

Yes. As long as you pay your individual share of the deposit directly to your landlord or agent, you can apply for a Patch Deposit.

How long is a Patch Deposit for?

Your Patch Deposit remains valid for 12 months or until your tenancy ends, if earlier...

Join more than 100,000 renters already using Patch

Sign Up
  • Boost your credit history

  • Super quick and easy to set up

  • No need to tell your landlord or send us your rent

  • Cancel any time

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