If you are new to the UK and you don't have a credit score or you are looking top work up your score.
Unfortunately, it won’t make any difference if you had a wonderful financial record back in Nigeria because in the UK you are starting from scratch.
The good news is you can do a lot of things that can help you build a great credit score.https://americanexpress.com/en-gb/referral/oLUWAAK1Ex?XL=MIMNS

There are two important things you need to understand: getting a credit card and Improving your credit score.

Getting a credit card.
Before you can get a credit card, you should have a verifiable name. This means getting your name and records into the system.
Here are a few tips for that.
i. Get on the electoral register. This is basically registering to vote, and it makes it easy to link an address to your name. Visit https://www.gov.uk/electoral-register
ii. Get a cheap Sim-Only contract like O2, Virgin, EE, etc. rather than PAYG like Lebara or Lyca.
iii. Apply for a provisional driver's licence (if you have spent 6 months in the UK).
iv. Get your name on a utility bill: gas, electricity, internet...
All these are very easy ways of getting your name and record in the system.
You can use easy credit card providers like
Capital One: A quick check will be run to see if you are eligible. https://quickcheck.capitalone.co.uk
Amex: The check is less stressful and usually quicker, bonus points are also awarded which can be redeemed later. https://americanexpress.com/en-gb/referral/oLUWAAK1Ex?XL=MIMNS
You can get enough bonus point to get a free return trip to your destination of choice with British Airways.
Store cards. Stores like Tesco, Argos, etc. issue credit cards for customers with no history.

Improving credit score
Using a real-life scenario, my score goes up every time and here is the summary of the reasons as stated on my record.

What's affected your score this month?
i. Your score has gone up because you've been on the electoral register at your current address for a longer time.
ii. Your score has gone up because you now have active revolving credit accounts, such as credit cards.
iii. Your score has gone up because you're using a reasonable amount of your available credit.

**You can also improve your record by manually reporting your rent using services like creditladder.

Some banks like Lloyds will show you what your credit score is on the app.

Thank you.
I will answer to the best of my knowledge.

1. If you use credit ladder, you will be able to report to your preferred credit platform for free. If you want to report to multiple you will need to pay for a subscription.
2. Too many banks will not affect your score. It's the credit activities like overdrafts that goes to your credit record.
3. There are two types of checks: soft and hard. Most platforms will let you know if it's a soft check or not before you proceed. The soft checks don't go into record and will not affect your score. Some bank apps like Lloyds will let you see your score directly from the app.
4. Use credit ladder for that. It will ask for authorization to read your bank statements and save the one with your rent reference

Osoderi:


Thank u for this beautiful write up
my questions
1. which credit company do u advice we use. I am using Credit karma which is free. but many lenders are using the experian to check your credit . I opened experian and it was told that 30days is free and every month we pay £14. so what do u advice in on the best credit company to use.
2. I was also told that opening too many bank accounts is not good for credit score. How true is this.
3. I also learnt that is not good to be checking your credit all the time, is this true or false
4. How can I add my house rent to my credit. I always tranfer the money to my landlord account but I write on the ref as rent payment.

Thank you

A mail containing the paper form will be sent to your address.

zxxtx:
Hi pals, I’m trying to apply for the provisional license and I’m confused about something. The application completion form, is it sent to my email address or house address I provided?

Updates post-moving to the UK.

The japa journey is beyond crossing the Mediterranean Sea and landing in the UK.
The end goal is to get all the benefits of the land and ultimately get a permanent stay. Throughout the whole process don't undermine the importance of building your credit score. Higher scores will help you get better insurance rates, mortgages, etc.

If you are new to the UK, you won’t have a credit score.
Unfortunately, it won’t make any difference if you had a wonderful financial record back in Nigeria because in the UK you are starting from scratch.
The good news is you can do a lot of things that can help you build a great credit score.

There are two important things you need to understand: getting a credit card and Improving your credit score.

Getting a credit card.
Before you can get a credit card, you should have a verifiable name. This means getting your name and records into the system.
Here are a few tips for that.
i. Get on the electoral register. This is basically registering to vote, and it makes it easy to link an address to your name. Visit https://www.gov.uk/electoral-register
ii. Get a cheap Sim-Only contract like O2, Virgin, EE, etc. rather than PAYG like Lebara or Lyca.
iii. Apply for a provisional driver's licence (if you have spent 6 months in the UK).
iv. Get your name on a utility bill: gas, electricity, internet...
All these are very easy ways of getting your name and record in the system.
You can use easy credit card providers like
Capital One: A quick check will be run to see if you are eligible. https://quickcheck.capitalone.co.uk
Amex: The check is less stressful and usually quicker, bonus points are also awarded which can be redeemed later. https://americanexpress.com/en-gb/referral/oLUWAAjezk?XL=MIMNS
Store cards. Stores like Tesco, Argos, etc. issue credit cards for customers with no history.

Improving credit score
Using a real-life scenario, my score goes up every time and here is the summary of the reasons as stated on my record.

What's affected your score this month?
i. Your score has gone up because you've been on the electoral register at your current address for a longer time.
ii. Your score has gone up because you now have active revolving credit accounts, such as credit cards.
iii. Your score has gone up because you're using a reasonable amount of your available credit.

**You can also improve your record by manually reporting your rent using services like creditladder.

Some banks like Lloyds will show you what your credit score is on the app.

Updates post-moving to the UK.

The japa journey is beyond crossing the Mediterranean Sea and landing in the UK.
The end goal is to get all the benefits of the land and ultimately get a permanent stay. Throughout the whole process don't undermine the importance of building your credit score. Higher scores will help you get better insurance rates, mortgages, etc.

If you are new to the UK, you won’t have a credit score.
Unfortunately, it won’t make any difference if you had a wonderful financial record back in Nigeria because in the UK you are starting from scratch.
The good news is you can do a lot of things that can help you build a great credit score.

There are two important things you need to understand: getting a credit card and Improving your credit score.

Getting a credit card.
Before you can get a credit card, you should have a verifiable name. This means getting your name and records into the system.
Here are a few tips for that.
i. Get on the electoral register. This is basically registering to vote, and it makes it easy to link an address to your name. Visit https://www.gov.uk/electoral-register
ii. Get a cheap Sim-Only contract like O2, Virgin, EE, etc. rather than PAYG like Lebara or Lyca.
iii. Apply for a provisional driver's licence (if you have spent 6 months in the UK).
iv. Get your name on a utility bill: gas, electricity, internet...
All these are very easy ways of getting your name and record in the system.

Improving credit score
Using a real-life scenario, my score goes up every time and here is the summary of the reasons as stated on my record.

What's affected your score this month?
i. Your score has gone up because you've been on the electoral register at your current address for a longer time.
ii. Your score has gone up because you now have active revolving credit accounts, such as credit cards.
iii. Your score has gone up because you're using a reasonable amount of your available credit.

**You can also improve your record by manually reporting your rent using services like creditladder.

Some banks like Lloyds will show you what your credit score is on the app.

Updates after moving to the UK.

The Japa journey is beyond crossing the Mediterranean Sea and landing in the UK.
The end goal is to get all the benefits of the land and ultimately get a permanent stay. Throughout the whole process don't undermine the importance of building your credit score. Higher scores will help you get better insurance rates, mortgages, etc.

If you are new to the UK, you won’t have a credit score.
Unfortunately, it won’t make any difference if you had a wonderful financial record back in Nigeria because in the UK you are starting from scratch.
The good news is you can do a lot of things that can help you build a great credit score.

There are two important things you need to understand: getting a credit card and Improving your credit score.

Getting a credit card.
Before you can get a credit card, you should have a verifiable name. This means getting your name and records into the system.
Here are a few tips for that.
i. Get on the electoral register. This is basically registering to vote, and it makes it easy to link an address to your name. Visit https://www.gov.uk/electoral-register
ii. Get a cheap Sim-Only contract like O2, Virgin, EE, etc. rather than PAYG like Lebara or Lyca.
iii. Apply for a provisional driver's licence (if you have spent 6 months in the UK).
iv. Get your name on a utility bill: gas, electricity, internet...
All these are very easy ways of getting your name and record in the system.
You can use easy credit card providers like
Capital One: A quick check will be run to see if you are eligible. https://quickcheck.capitalone.co.uk
Amex: The check is less stressful and usually quicker, bonus points are also awarded which can be redeemed later. https://americanexpress.com/en-gb/referral/oLUWAAjezk?XL=MIMNS
Store cards. Stores like Tesco, Argos, etc. issue credit cards for customers with no history.

Improving credit score
Using a real-life scenario, my score goes up every time and here is the summary of the reasons as stated on my record.

What's affected your score this month?
i. Your score has gone up because you've been on the electoral register at your current address for a longer time.
ii. Your score has gone up because you now have active revolving credit accounts, such as credit cards.
iii. Your score has gone up because you're using a reasonable amount of your available credit.

**You can also improve your record by manually reporting your rent using services like creditladder.

Some banks like Lloyds will show you what your credit score is on the app.

If you are new to the UK, you won’t have a credit score.
Unfortunately, it won’t make any difference if you had a wonderful financial record back in Nigeria because in the UK you are starting from scratch.
The good news is you can do a lot of things that can help you build a great credit score.

There are two important things you need to understand: getting a credit card and Improving your credit score.

Getting a credit card.
Before you can get a credit card, you should have a verifiable name. This means getting your name and records into the system.
Here are a few tips for that.
i. Get on the electoral register. This is basically registering to vote, and it makes it easy to link an address to your name. Visit https://www.gov.uk/electoral-register
ii. Get a cheap Sim-Only contract like O2, Virgin, EE, etc. rather than PAYG like Lebara or Lyca.
iii. Apply for a provisional driver's licence (if you have spent 6 months in the UK).
iv. Get your name on a utility bill: gas, electricity, internet...
All these are very easy ways of getting your name and record in the system.
You can use easy credit card providers like
Capital One: A quick check will be run to see if you are eligible. https://quickcheck.capitalone.co.uk
Amex: The check is less stressful and usually quicker, bonus points are also awarded which can be redeemed later. https://americanexpress.com/en-gb/referral/oLUWAAjezk?XL=MIMNS
Store cards. Stores like Tesco, Argos, etc. issue credit cards for customers with no history.

Improving credit score
Using a real-life scenario, my score goes up every time and here is the summary of the reasons as stated on my record.

What's affected your score this month?
i. Your score has gone up because you've been on the electoral register at your current address for a longer time.
ii. Your score has gone up because you now have active revolving credit accounts, such as credit cards.
iii. Your score has gone up because you're using a reasonable amount of your available credit.

**You can also improve your record by manually reporting your rent using services like creditladder.

Some banks like Lloyds will show you what your credit score is on the app.