Not a citizen but want to improve credit score

Robinhoody

If someone can’t get on the electoral roll is there a way to improve their credit score?  

[Deleted User]

Credit scores aren't used in the UK, so you need to build credit history. Start with a bank account, phone contract, sub prime card if you can get one.

Jamesyb123

How long have they lived here?

Robinhoody

Jamesyb123 said:

How long have they lived here?

Twenty years

Robinhoody

Apparently they have indefinite leave to remain but still not uk citizens 

Caz3121

have they ever had financial products in the 20 years? What do their files show as history?

Jamesyb123

Robinhoody said:

Jamesyb123 said:

How long have they lived here?

Twenty years

So how have they lived financially without any bank accounts or anything? They must have some products?

cymruchris

Robinhoody said:

If someone can’t get on the electoral roll is there a way to improve their credit score?  

Why do they want to 'improve their score'? Have you had a chance to read up on credit scores to know that although they might be a guideline, they can also be quite inaccurate.  If on 'indefinite leave to remain', they'll certainly have some existing accounts? Have they been kept in good order? Is there an aim for this credit score raising exercise? Like getting a mortgage? 

Robinhoody

cymruchris said:

Robinhoody said:

If someone can’t get on the electoral roll is there a way to improve their credit score?  

Why do they want to 'improve their score'? Have you had a chance to read up on credit scores to know that although they might be a guideline, they can also be quite inaccurate.  If on 'indefinite leave to remain', they'll certainly have some existing accounts? Have they been kept in good order? Is there an aim for this credit score raising exercise? Like getting a mortgage? 

The question you are asking could apply to pretty much everyone on here,

why does anybody ever want a better credit rating? 

I thought the answer is obvious 

Robinhoody

Jamesyb123 said:

Robinhoody said:

Jamesyb123 said:

How long have they lived here?

Twenty years

So how have they lived financially without any bank accounts or anything? They must have some products?

Yes bank accounts and investments 

but not able to vote

some say it really helps to get on the electric register 

is there anything else similar to that that would help?

Jamesyb123

Robinhoody said:

Jamesyb123 said:

Robinhoody said:

Jamesyb123 said:

How long have they lived here?

Twenty years

So how have they lived financially without any bank accounts or anything? They must have some products?

Yes bank accounts and investments 

but not able to vote

some say it really helps to get on the electric register 

is there anything else similar to that that would help?

Is the electoral register not electric 😂 sorry that tickled me. They need to speak to the bank that they have held an account with all these years to see if they are willing to offer a credit card if they have had an account with them for 20 years and have investments and have run them well then they maybe prepared to offer a credit card which used correctly can improve credit history.