Evlo x CreditLadder Partnership

Evlo partners with CreditLadder to help renters build their credit history and advance Financial Freedom for Everyone 

Evlo today announces a new partnership with CreditLadder, the UK’s first and biggest rent-reporting platform, to help more renters build a stronger credit history by having their rent payments reflected on their credit file.  

The partnership is the next milestone in Evlo’s industry-leading Financial Freedom for Everyone campaign, which is calling for reforms that make the credit system fairer and more inclusive for renters.  

Through this collaboration, Evlo will be able to connect its renter customers, especially those with “thin file” or limited credit history, to a practical tool that helps them build a more visible financial profile over time.  

Asif Nadeem, Chief Transformation Officer, Evlo: “At Evlo, our mission is financial inclusion, helping people move back towards mainstream finance. Rent is one of the biggest monthly payments many people make, yet it hasn’t consistently helped renters build their credit history. Partnering with CreditLadder is a practical step we can take right now to help change that, while we continue to lead the industry push for broader reform through Financial Freedom for Everyone.” 

Sheraz Dar, Chief Executive Officer, CreditLadder: “We’re delighted to partner with Evlo in our efforts to get every tenant in the UK reporting their rent payments and to help tenants use what is typically their biggest monthly expenditure to improve their credit position.” 

 

The Financial Freedom for Everyone Campaign  

Across the UK, financial exclusion remains a major challenge. Evlo’s Financial Freedom for Everyone campaign highlights that 20.2 million adults are financially underserved, one in three cannot access mainstream credit, and 5.6 million are “credit invisible”, meaning they are unable to demonstrate creditworthiness because they lack enough recorded credit history.  

For millions of renters, this problem is compounded by an outdated inconsistency: while mortgage payments typically support a homeowner’s credit profile, rent payments, often one of the largest monthly commitments, do not consistently help renters build credit history.  

In October 2025, Evlo and a coalition of financial services organisations and consumer advocates submitted a representation to HM Treasury ahead of the Autumn Budget, calling for rental payment data to be included in credit scoring and for tenants to be given a clear route to share positive rent-payment data with credit reference agencies.  

The partnership with CreditLadder supports that same objective by making it easier for renters to have rent payments reported to major credit reference agencies.