We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Low credit score

Options
So I have a relatively low credit score due to not having had any credit in the past, I've never really felt the need to get a credit card or finance on anyth like phones or cards, so because of this my clearscore is showing a poor score,they recommend a credit builder credit card from capital one, is there any other ways I can bump my score ?

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 28 June 2021 at 10:13AM
    No, but you can improve your credit history, which is what matters.

    Get any card, use it regularly and clear in full each month.  Your score will drop further but that's fine as no one ever see it. 

    A phone contract can also help.

    Check all three credit files to make sure there is nothing on there that shouldn't be.
  • DCFC79
    DCFC79 Posts: 40,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    KMILTON13 said:
    So I have a relatively low credit score due to not having had any credit in the past, I've never really felt the need to get a credit card or finance on anyth like phones or cards, so because of this my clearscore is showing a poor score,they recommend a credit builder credit card from capital one, is there any other ways I can bump my score ?

    Dont focus too much on the score, in fact dont waste zero time on it.

    A pay monthly contract is a way to go, get one from a network who will report to the agencies.
  • Ohfeelya
    Ohfeelya Posts: 70 Forumite
    Sixth Anniversary 10 Posts Name Dropper
    Yes! I found the MSE guide to improving your credit report really useful https://www.moneysavingexpert.com/loans/credit-rating-credit-score/

    Start there?
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.