So ask to transfer utility and gas bills under your name, or add your name if possible.

Credit agencies will see this when they run their report. The more bills you regularly pay in full from your bank account, the better.

You may be paying your share of the bills every month, but if a flatmate is directly paying the bills your contribution will not be reflected in a credit check. To build your credit without a credit card you need to prove you make regular payments. The app makes it easy to budget so you can increase your debt repayments. ‍ If you link all of your accounts to Money Dashboard’s free app, you will be able to see all of your accounts with income and expenses in one place. If you have outstanding unpaid debts, this is a clear signal you are not very trustworthy. Step 3: Repay your debt.Ī credit score is essentially an indication of your trustworthiness with a loan. If you’re living at home even temporarily, register there. You can get on the electoral register by registering to vote online. If you are not already registered, your score will suffer and you will almost definitely be rejected for any credit application. The reason is that banks use the registry to verify who you are, including your name and other basic information. If you aren’t already on the electoral register, do it now. Step 2: Register to vote with the electoral register. Use this as a guide for your priority steps.

Checking your score won’t affect your credit rating or credit score.Ī credit report can also reveal your biggest problem areas: missed payments, unpaid debt, maybe your account is linked with an ex-financial partner who is dragging down your score. The three UK credit rating agencies Experian, Equifax and TransUnion (formerly Callcredit) are required to provide you with a free credit score check as often as once a month.

This will give you an indication of how much improvement you want to achieve. It may be useful to know your credit score if you don’t already. Here are six steps you can take to boost your credit score without a credit card: Step 1: Check your credit score Raising your credit score without a credit card is possible. A quick way to improve your credit score is by using a credit card to build your credit score.

Ways to build credit