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How to build credit if you have no credit history
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How to build credit if you have no credit history A good credit score can improve your chances of being approved for loans, mortgages, credit cards, and securing the best deals. But what happens if you have no credit history? This guide explores why building your credit history is important and gives practical tips to get you started. Why don’t I have a credit history? Having no credit history means that the main credit reference agencies in the UK - Experian, Equifax and TransUnion - have no information about your borrowing habits. Because of this, you’re also unlikely to have a credit score. This situation is sometimes called being ‘credit invisible’ or having a ‘thin credit file’. Common reasons for no credit history You’ve never had a credit product: If you’ve always paid with cash and never used overdrafts, loans, credit cards, by now pay later (BNPL) services, or taken out a mortgage, there’s no borrowing history to report. You’re under 18 years old...
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