Bits

Visibility20

Vibe81

AI Visibility & Sentiment

Bits

Bits is a UK-based fintech company that helps people build and manage their credit scores through a subscription-based digital store card, credit card products, rent reporting, and a marketplace for credit products. They report to all three major credit bureaus and offer gift card purchases with discounts.

Active Monitoring

getbits.app

Financial Services YC25-26

AI Visibility Score

20/100

Low

Sentiment Score

81/100

AI Perception

Summary

Bits is currently a ghost in the ChatGPT ecosystem despite showing explosive potential on Claude, where it secures #1 rankings for high-intent rent-reporting queries. While legacy bureaus like Experian and Equifax dominate general search, Bits has successfully carved out a niche with 'Recovering Professionals,' signaling a clear path to disrupt the credit-building category if it can bridge the gap to more mainstream AI platforms.

Value Proposition

An accessible way to build credit through a subscription service that reports to all three major UK credit bureaus (Experian, Equifax, TransUnion), with instant decisions, no hard credit checks to apply, and additional benefits like rent reporting and gift card discounts

Overview

Mission

Our mission is to help you learn to manage credit.

Products & Services

Bits Credit CardBits Store CardRent Reporting ServiceBits Marketplace (credit product matching)Gift Card Store with discounts

Agent Breakdown

AI Platforms

How often do different AI platforms reference Bits?

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Conversation Analysis

Topics

What conversations is Bits included in — or excluded from?

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Buyer Personas

Personas

Who does each AI platform recommend Bits to, and when?

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Programmatic Testing

Sample Conversations

We programmatically analyze questions that real customers are asking to AI agents and chatbots, extract brand mentions and sentiment, analyze every response, and synthesize the data into an action plan to increase AI visibility.

ChatGPT

Claude

Gemini

AI Overviews

Credit Building For Renters & Young Adults(2 queries)

“how can i use my rent payments to boost my credit score in the uk”

1/4 platforms mentioned

ChatGPT

1.Experian

2.Equifax

3.TransUnion

4.ClearScore

5.Credit Karma

+4 more

Claude

1.Rental Exchange

2.Experian

3.Equifax

4.TransUnion

5.Canopy

+2 more

Gemini

1.Experian

2.Equifax

3.TransUnion

4.CreditLadder

5.Crediva

15.Bits

+9 more

AI Overviews

1.Experian

2.Equifax

3.TransUnion

4.Ocean Finance

5.CreditLadder

+8 more

“im 20 and have no credit history, what are the easiest ways to start building a score from scratch”

1/4 platforms mentioned

ChatGPT

1.CreditLadder

2.Canopy

3.LOQBOX

4.Aqua Classic

5.Capital One Classic

+7 more

Claude

1.Clearscore

2.Experian

3.Equifax

4.Emerald Card

5.Secure Card

+3 more

Gemini

1.Monzo

2.Experian

3.Equifax

4.TransUnion

5.Canopy

10.Bits

+10 more

AI Overviews

1.Discover it® Secured

2.Capital One Platinum Secured

3.Chase Freedom® Student

4.Capital One Savor Student

5.Self

Finding Accessible Credit Cards & Store Cards(1 query)

“recommend some uk credit cards for people with really bad credit or no history, specific brands please”

0/4 platforms mentioned

ChatGPT

1.Vanquis Bank

2.Vanquis Classic

3.Vanquis Chrome

4.Aqua

5.NewDay

+16 more

Claude

1.Aqua Card

2.Capital One Credit Card

3.Vanquis Bank Card

4.Barclaycard Forward Card

5.Sainsbury's Money Credit Card

+2 more

Gemini

1.Aqua Classic Credit Card

2.Aqua

3.Capital One Classic

4.Capital One

5.Vanquis Visa Card

+12 more

AI Overviews

1.Uswitch

2.Vanquis Bank

3.Vanquis Credit Builder Card

4.Aqua

5.Aqua Classic

+11 more

Credit Building Service Comparison(1 query)

“which credit building services in the uk are actually worth the subscription fee”

2/4 platforms mentioned

ChatGPT

1.ClearScore

2.Equifax

3.Credit Karma

4.TransUnion

5.TotallyMoney

+9 more

Claude

1.Experian

2.Equifax

3.Clearscore

4.Money Dashboard

5.Emma

+3 more

Gemini

1.Experian

2.Equifax

3.TransUnion

4.Loqbox

5.Pave

9.Bits

+6 more

AI Overviews

1.CreditLadder

2.Experian

3.Equifax

4.TransUnion

5.Canopy

8.Bits

+10 more

Financial Perks & Smart Spending(1 query)

“best places to get discounted gift cards for uk supermarkets and shops”

0/4 platforms mentioned

ChatGPT

1.Cardyard

2.PayPal

3.Groupon

4.Wowcher

5.TopCashback

+13 more

Claude

1.Raise

2.CardPool

3.MightyDeals

4.Topcashback

5.Quidco

+6 more

Gemini

1.JamDoughnut

2.Tesco

3.Morrisons

4.Sainsbury’s

5.Waitrose

+27 more

AI Overviews

1.JamDoughnut

2.Tesco

3.Asda

4.Sainsbury’s

5.Morrisons

+13 more

Analysis

Key Insights

What AI visibility analysis reveals about this brand

Strength

Secures the #1 position on Claude for specific rent-to-credit-score queries, outperforming legacy competitors in high-intent niches.

Strength

High resonance with the 'Recovering Professional' persona, achieving a 33% mention rate and an impressive average position of 4.3.

Strength

Maintains strong brand authority in 'vibe check' queries on Gemini and AI Overviews, indicating high brand awareness in descriptive contexts.

Gap

Total exclusion from ChatGPT (0% mention rate), missing out on the largest segment of AI-driven financial advice.

Gap

Invisible in queries regarding 'bad credit cards' and 'smart spending' where competitors like Aqua and LOQBOX are gaining ground.

Gap

Poor ranking depth on Gemini with an average position of 10.0, suggesting the brand is viewed as a peripheral rather than a primary recommendation.

Opportunity

Capture the 'Aspiring Young Renter' segment where current visibility is a mere 8% despite the product's direct relevance to this demographic.

Opportunity

Capitalize on 'Credit Building Service Comparison' queries where Bits is already appearing in AI Overviews but lacks the high-ranking authority of CreditLadder.

Opportunity

Exploit the high-performance patterns seen on Claude by replicating that technical, benefit-driven content structure across other indexed platforms.

Technical Health

Site Health for AI Visibility

How well Bits's website is optimized for AI agent discovery and comprehension.

90/100

16 passed 4 warnings

Audited 2/27/2026

Crawlability96

Can AI bots find your pages?

Technical96

SSL, mobile, doctype basics

On-Page SEO84

Titles, descriptions, headings

Content Quality73

Word count, depth, freshness

Schema Markup85

Structured data for AI comprehension

Social & OG100

Open Graph, Twitter cards

AI Readability60

How well AI can parse your content

Warnings

2 render-blocking resource(s) detected

Consider deferring or async-loading non-critical scripts and stylesheets.

Title is too short (24 characters)

Expand the title to 50-60 characters with descriptive keywords.

Meta description may be truncated (191 characters)

Shorten to under 160 characters.

H3 used without H2 — heading levels are skipped

Use headings in order (H1 → H2 → H3). Don't skip levels.

Content may be too short

Expand your content to at least 500 words with valuable information.

Want a full technical audit with AI-specific recommendations?

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Brand Identity

Brand Voice & Style

How AI perceives Bits's communication style and personality

Bits communicates in a straightforward, transparent, and approachable manner that demystifies credit building for everyday people. The brand prioritizes honesty about both benefits and risks, using clear language without financial jargon. There's a helpful, educational tone that empowers users to take control of their financial futures while maintaining professionalism as a regulated financial services provider.

Core Tone Traits

Transparent & Honest

Openly discusses risks alongside benefits, provides simplified legal documents, and clearly explains how products work

Approachable & Accessible

Uses plain language to explain complex financial concepts, supports multiple languages, and offers simplified terms

Empowering & Educational

Focuses on teaching users to manage credit rather than just selling products, provides blog content and resources

Straightforward & Direct

Gets to the point quickly, uses clear CTAs, and avoids unnecessary complexity in messaging

Competitive Landscape

Related Ecosystem

Related products and services that AI mentions in conversations alongside or instead of Bits

Experian34 mentions

Equifax31 mentions

TransUnion28 mentions

CreditLadder25 mentions

LOQBOX22 mentions

Canopy21 mentions

ClearScore18 mentions

Aqua10 mentions

Capital One Classic10 mentions

Zable9 mentions

Bits9 mentions

Source Intelligence

Citations

Sources that AI assistants cite. Getting featured here improves visibility.

How it works: the new Rental Exchange Initiative

https://www.oceanfinance.co.uk/blog/how-it-works-the-new-rental-exchange-initiative/

Referenced in 1 query

Review

Report your rent payments to improve your credit position and ...

https://nottingham-building-society.my.site.com/s/article/Credit-Ladder-Report-your-rent-payments-to-improve-your-credit-score

Referenced in 1 query

Review

Can Renting Improve Your Credit Score? | Equifax UK

https://www.equifax.co.uk/resources/loans-and-credit/can-renting-improve-your-credit-score

Referenced in 1 query

Review

Improve your credit score | Nottingham Building Society

https://www.thenottingham.com/mortgages/first-time-buyers/improve-your-credit-score

Referenced in 1 query

Review

Credit scores to include rental payments for first time - BBC

https://www.bbc.com/news/articles/c8jrw8e1w0lo

Referenced in 1 query

Pitch Story

Build your credit history with Loqbox Rent | UK

https://www.loqbox.com/en-gb/rent

Referenced in 1 query

Pitch Story

Private Landlords and Letting Agents | Rental Exchange

https://www.experian.co.uk/business/customer-insights/risk-analysis/rental-exchange/landlords-agents

Referenced in 1 query

Review

Tenant Information | The Rental Exchange | Experian Business

https://www.experian.co.uk/business/customer-insights/risk-analysis/rental-exchange/tenant-information

Referenced in 1 query

Review

The Rental Exchange | Ipswich

https://www.ipswich.gov.uk/sites/ipswich/files/m-files/rental_exchange_-_faqs_for_tenants.pdf

Referenced in 1 query

Review

CreditLadder now reports rent to the main three UK Credit ...

https://creditladder.co.uk/blog/tu

Referenced in 1 query

Review

The Rental Exchange Scheme - The Guinness Partnership

https://www.guinnesspartnership.com/rental-exchange-scheme/

Referenced in 1 query

Review

How to register on House Exchange

https://www.houseexchange.org.uk/advice/videos-navigation-guides/how-to-register-on-house-exchange/

Referenced in 1 query

Review

Content Engineering

Recommended Actions

Execute a targeted PR and backlink campaign focused on high-authority UK fintech sites like MoneySavingExpert and AltFi.

Bits has 0% visibility on ChatGPT; seeding the brand into the primary sources these LLMs crawl is essential to breaking into the ecosystem.

Impact: High

Optimize 'Rent-Reporting' content for the 'Young Renter' persona using structured data and FAQ schemas.

With only 8% visibility for this key demographic, there is a massive opportunity to capture the Gen Z audience who are actively seeking ways to use rent for credit.

Impact: High

Develop 'Bits vs. Competitor' comparison assets (e.g., vs. Experian or LOQBOX) to influence AI recommendation engines.

Competitors like Experian have 34+ mentions; Bits needs to be part of the comparative logic used by AI to provide nuanced financial advice.

Impact: Medium

Refine Gemini-specific content to move from the #10 position into the top 3 by emphasizing authority signals.

Gemini mentions Bits frequently but at the bottom of the list; improving the 'authority' of the source content will elevate these rankings.

Impact: Medium

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