Low credit score

KMILTON13

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 ?

[Deleted User]

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

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

Yes! I found the MSE guide to improving your credit report really useful https://www.moneysavingexpert.com/loans/credit-rating-credit-score/

Start there?