Brickk, a UK rent-reward and credit-building platform, has gone live with a data-sharing agreement that allows its members’ monthly rent payments to be reported directly to TransUnion, one of the three credit reference agencies (CRAs) operating in the UK market. The service is now available to Brickk members nationwide.
The integration works through open banking consent. Once a renter signs up and connects their bank account, Brickk verifies rent transactions and pipes the data through to TransUnion’s credit file. Members are informed at registration that missed payments can affect their credit rating, and consent can be withdrawn at any time.
The proposition
Brickk’s commercial model adds a second layer beyond pure credit reporting. For £4.99 a month, subscribers gain access to a discounted gift card marketplace covering more than 1,000 brands alongside the CRA reporting. The dual structure is the company’s primary differentiator: it positions the subscription as immediately cost-recovering through retail savings while building long-term credit history. The platform operates both a direct-to-consumer channel and a B2B2C route via property operators and employers, embedding sign-up at the point of tenancy.
Kelli Fielding, chief product officer at TransUnion, said: “Recent research conducted by TransUnion showed that renters often have levels of financial resilience that might be going unrecognised. Just over 75% of renters consistently report that they will have no trouble handling their bills and loan payment obligations. Brickk’s proposition is a timely and significant contribution to financial inclusion, that can help renters with access to credit products, such as mortgages and loans.”
The TransUnion data cited comes from the company’s Q2 2026 Consumer Pulse Study, a survey of 1,000 UK adults conducted with research provider Dynata.
Market and regulatory context
Rent reporting sits at the intersection of open finance and financial inclusion, and it has attracted growing policy attention in the UK. The Financial Conduct Authority has flagged the credit-invisibility of renters as a structural gap, and the broader open banking framework under which Brickk operates continues to be shaped by the Payment Systems Regulator and the FCA’s ongoing review of consumer credit data. The English Housing Survey 2026 puts the private rental population at more than four million households, a cohort whose monthly payment discipline is largely absent from traditional credit scoring models that were built around mortgage repayment data.
Several other platforms and initiatives have addressed the same gap, including Credit Ladder and Canopy, which also report rental data to one or more of the UK’s CRAs. The competitive question for Brickk is whether the rewards marketplace justifies a subscription fee in a segment where some rivals offer CRA reporting free of charge or through landlord-side integrations. The B2B2C channel, targeting property operators and employers, is the more scalable route and the one most likely to determine market share.
Looking ahead, the credibility of the credit-building outcome will depend on how broadly lenders weight rental data in their decisioning models. Reporting to a CRA places the data in the file; it does not guarantee that mortgage or loan underwriters will apply it consistently. Industry-wide adoption of rental data in lending models remains patchy, which limits the near-term benefit for renters seeking products such as first-time buyer mortgages. Brickk’s longer-term commercial position will be shaped by how quickly that lender-side uptake moves.
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