Question 1

What does Brickk do?

Accepted Answer

Brickk is a secure service that records and monitors your monthly rent payments. Our aim is to help tenants benefit from the payments they already make by: Providing discounts for securely sharing rent payment data with us, and. Offering the option to report rental payment information to the UK's main credit reference agencies to help build or strengthen your credit profile..

Question 2

What is a credit rating?

Accepted Answer

Your credit rating is an indication of how a typical lender may assess you when you apply for credit. It is based on your financial history, including: Your past payment record (whether bills and loans were paid on time). Current borrowing levels and outstanding balances. The types of credit accounts you hold or have held. Recent applications for credit. A limited or non-existent credit history can make it more difficult to prove your identity and access credit. Reporting regular rent payments can help demonstrate financial reliability and may improve access to financial products and services such as loans, credit cards, bank accounts, mobile phones, broadband or car insurance.

Question 3

How may my rent payment data be used?

Accepted Answer

Your rent data may be: Used within Brickk to track your payment history and calculate Brickk points.. Shared with credit reference agencies (optional) if you choose to opt in. In this case, your rental history may be incorporated into your credit file and supplied to lenders and service providers when you apply for financial products or services.. We do not share your data with credit reference agencies unless you have given your explicit consent.

Question 4

What if I do not want to report my rent to a credit reference agency?

Accepted Answer

Reporting your rent to a credit reference agency is entirely optional. If you choose not to participate, you can still use Brickk to securely track your payments and receive discounts.

Question 5

Who are the credit reference agencies?

Accepted Answer

In the UK there are three main credit reference agencies. These are independent organisations that collect and maintain credit information, which lenders use to assess applications: Experian. Equifax. TransUnion. When you opt in with Brickk, your rental payment history may be shared with one or more of these agencies to be reflected in your credit profile.

Question 6

How long may it take for my credit score to be updated with the credit reference agencies?

Accepted Answer

Rental payment data does not appear immediately. It may take time for payment history to be processed and reflected by your chosen credit reference agency or agencies. Once available, this information forms part of your credit profile and may be considered by lenders when assessing future applications.

Question 7

How is Brickk different from other platforms or tracking rent independently?

Accepted Answer

Brickk maintains formal partnerships with the UK's main credit reference agencies. Where authorised by you, we report verified rental payment data directly into your credit file. This is not possible through personal tracking alone. In addition, Brickk operates a discounts scheme, providing value for on-time rent payments. Comparable platforms typically charge for credit reporting services without offering discounts.

Question 8

How does the discounts scheme work?

Accepted Answer

Verified rent creates Brickk points. You can use those points for gift cards and marketplace offers, giving tenants recognition for commitments they are already meeting.

Question 9

What if I wish to raise a dispute?

Accepted Answer

If you believe information reported by Brickk is inaccurate, you may raise a dispute by contacting us through the Contact Us section of our website. We will investigate and provide a response in line with our dispute resolution procedures.

Question 10

What permissions am I granting Brickk?

Accepted Answer

When you connect your bank account, Brickk obtains read-only access to your account and transaction data via an FCA-regulated Open Banking partner. This access allows us to: Verify rental payment transactions, including amounts, dates, and beneficiaries.. Confirm account details securely, even when you are offline.. Brickk cannot move or control your money. Only you and your bank can authorise payments.

Question 11

What happens to my credit history if I miss one or more rental payments?

Accepted Answer

Missed or late rental payments, when reported to credit reference agencies, are treated in the same way as any other missed or late credit repayment. This may have a negative impact on your credit profile.

Question 12

What are the benefits of reporting rent when payments are made on time?

Accepted Answer

Regular, on-time rental payments are a significant financial commitment. By reporting this history to credit reference agencies, tenants can strengthen their credit profile, demonstrate reliability, and potentially improve access to financial products and services. A stronger profile may also contribute to eligibility for better terms and interest rates in the future.

Question 13

Is my privacy protected?

Accepted Answer

Yes. Brickk processes all information in accordance with UK data protection laws. This means: Your data is stored securely and handled confidentially.. It is never sold or used for direct marketing purposes.. Information is only shared with credit reference agencies where you have opted in.. Brickk acts as a data controller for the information we hold, and where relevant, credit reference agencies act as separate data controllers for information shared with them.

Question 14

Why should I join Brickk?

Accepted Answer

Brickk enables you to make the most of your rent payments by: Accessing discounts for securely sharing your rent data. Having the option to build or improve your credit history through credit reference agency reporting. Retaining full control over how your information is used.

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Help centre

Frequently asked questions.

No jargon.No surprises.

Live chat

Email us

Help centre

No jargon.
No surprises.