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  • FIRST POST
    • HappilyNorth
    • By HappilyNorth 11th Jan 18, 12:07 PM
    • 13Posts
    • 0Thanks
    HappilyNorth
    Building a Credit History from Scratch
    • #1
    • 11th Jan 18, 12:07 PM
    Building a Credit History from Scratch 11th Jan 18 at 12:07 PM
    Hi Guys,

    My wife is currently on a two and half year UK visa. She is allowed to work and has a full time job but is not allowed to be registered on the Electoral Roll.

    We would like to start to build a credit history for her where there is currently none.

    I've contacted all 3 main credit agencies but none have any details about her.

    What is the best way to start the credit building process?

    Any advice is much appreciated.

    Thanks.
Page 2
    • HappilyNorth
    • By HappilyNorth 13th Jan 18, 5:11 PM
    • 13 Posts
    • 0 Thanks
    HappilyNorth
    So you think she could potentially be accepted for a non sub-prime card, like Barclaycard for instance?

    Not sure whether to risk that or not as if she's declined I'm pretty sure that shows up as a black mark against your name..?
    • zx81
    • By zx81 13th Jan 18, 5:15 PM
    • 17,258 Posts
    • 18,350 Thanks
    zx81
    Not sure whether to risk that or not as if she's declined I'm pretty sure that shows up as a black mark against your name..?
    Originally posted by HappilyNorth
    I'm even more sure it doesn't.

    Decline and accepts are not shown on your files. Only the search.
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