Building a credit score

Andycb1

I’m currently separated soon to be divorced. The Nisi has been approved so the financial side is about to be submitted where fortunately we’re sensible enough to be able to agree on the split of the finances so the court agreement will settle everything.
The house has an offer on it so will soon also be sold on a 50 50 basis.
With this in place I’m looking to get my own place with the proceeds and will be able to pay the majority cash with a small mortgage to cover the house I’ve had a bid on accepted.
I’ve been looking at increasing my credit rating by taking on a credit card which I put one item a month on and pay off monthly, I’ve got a car on finance which is easily managed financially also.
Someone mentioned getting a store card so I got an Argos card and bought one item on buy now pay in 6 months where I’ve allocated the money to one side to pay when the time comes.
My question is the positive increase in my credit score from managing this credit I’m sure comes when the credit is completed. Would I get a larger rise from paying straight off or by paying a bit each month and finalising it at the end.
I’m just thinking as all previous history is as a couple so don’t know if this will transfer or I’ve started fresh alone? Want to ensure I can sort a mortgage

[Deleted User]

The score isn't a real thing so don't use it as a measure of anything.

Lenders will be looking at how you manage credit. Clear any debts and don't pay any interest you don't need to. Clear the cards each month.

Any sole or joint accounts will show on your credit files. Marriage doesn't impact that.

If you no longer have any active joint accounts, file a notice of disassociation.

sourcrates

Did you know most utility and broadband/tv/phone providers report on your credit file nowadays, as well as the banks you have accounts with, it really isnt nessesary to go around opening credit and store card accounts, in order to raise a credit score that means absolutly nothing.

The important thing is to pay bills on time, every lender will have different criteria for making lending decisions.

Ben8282

You are a homeowner with presumably a mortgage.
You have a car finance agreement on which you imply that you are not experiencing any payment difficulties.
You presumably also have a current account and presumably pay utility bills. It surprises me that you don't already have any form of credit card.
With all this, do you really think that taking out an Argos storecard and buying one item on a pay later basis and repaying the cost of this item in 6 months time will improve your chances of getting the small mortgage that you need?
You already have a credit history and a substantial deposit.