{"id":2035,"date":"2018-05-18T11:22:52","date_gmt":"2018-05-18T11:22:52","guid":{"rendered":"https:\/\/demo.credibble.co.uk\/blog\/?p=2035"},"modified":"2022-05-30T09:01:47","modified_gmt":"2022-05-30T09:01:47","slug":"best-ways-to-build-credit-fast","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/","title":{"rendered":"No Credit History? 5 Best Ways To Build Credit Fast"},"content":{"rendered":"\n<p>If you are someone with no credit history, you\u2019re not alone. Many people won\u2019t have thought much about building their credit \u2013 not everyone has the need to borrow money, especially when they\u2019re young. But having good credit is surprisingly important, and in ways you might not expect. Read on to find out why your credit file matters and the best ways to build credit fast.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/#Why_is_it_important_to_have_good_credit\" >Why is it important to have good credit?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/#So_what_are_the_best_ways_to_build_credit_fast\" >So what are the best ways to build credit fast?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/#1_Register_to_vote\" >1. Register to vote<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/#2_Open_a_bank_account\" >2. Open a bank account<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/#3_Get_a_mobile_phone_contract\" >3. Get a mobile phone contract<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/#4_Get_a_credit_card\" >4. Get a credit card<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/#5_If_you_have_a_credit_card_balance_pay_over_the_minimum_repayment\" >5. If you have a credit card balance, pay over the minimum repayment<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/#What_next\" >What next?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_is_it_important_to_have_good_credit\"><\/span><strong>Why is it important to have good credit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you\u2019ve never used credit before, even if you\u2019ve always had enough money to cover your expenses, lenders will be wary of letting you borrow. This may seem strange, but what lenders want to see is that you know how to manage credit well. Only then can they trust that you\u2019ll pay back what you owe.<\/p>\n\n\n\n<p>Building your credit helps you to borrow when you eventually need it. When you apply for a loan for a business or a car, or you need a mortgage for a home, you are more likely to get accepted if you\u2019ve managed your credit file well.<\/p>\n\n\n\n<p>Plus, if you have good credit, lenders will be more likely to give you a better deal. If your credit is in great shape, you can access lower interest rates, for instance, or higher credit limits. This means you can end up saving money, and getting more of what you want.<\/p>\n\n\n\n<p>Your credit doesn\u2019t just affect your ability to borrow \u2013 it can have an impact on a number of different parts of your life. It could affect the kind of phone you can get, your job application, whether a landlord will accept you as a tenant, and what type of deal you get from utilities and insurance providers.<\/p>\n\n\n\n<p>You can read more about why your credit file really matters <strong><u><a href=\"https:\/\/www.check.co.uk\/blog\/managing-credit\/\">here<\/a><\/u>.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"So_what_are_the_best_ways_to_build_credit_fast\"><\/span><strong>So what are the best ways to build credit fast?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are a few quick credit hacks that everyone should know. If you have no credit history, you can follow these 5 ways to build credit and start to build a great foundation for your credit file.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Register_to_vote\"><\/span><strong>1. Register to vote<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Although it may at first glance seem irrelevant, your voter status is actually very important for building credit. In fact, many lenders will simply refuse anyone who is not signed up to the electoral register.<\/p>\n\n\n\n<p>This is because lenders see your voter status as a sign of stability, and it helps them to verify that you are who you say you are. Lenders will also take into account how long you\u2019ve been registered to vote, so the sooner you sign up the better.<\/p>\n\n\n\n<p>This is a super simple way to build your credit fast. It\u2019s quick and easy, and it doesn\u2019t cost anything. You can register to vote online here: <a href=\"https:\/\/www.gov.uk\/register-to-vote\">https:\/\/www.gov.uk\/register-to-vote<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Open_a_bank_account\"><\/span><strong>2. Open a bank account<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Setting up a current account will help to build up your credit file, particularly if the account includes an overdraft (which is a basic form of credit).<\/p>\n\n\n\n<p>Some banks offer new customers an interest-free overdraft in the first year, which can be helpful if you only need a small amount of credit for a few days. But it\u2019s better to avoid using the overdraft if you can help it \u2013 this can be a sign to lenders that you are struggling financially.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Get_a_mobile_phone_contract\"><\/span><strong>3. Get a mobile phone contract<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Not everyone is aware that your phone contract actually contributes to your credit. Lenders trust people who use a contract more than individuals on pay-as-you-go. This may seem like an arbitrary rule, but it\u2019s something that\u2019s easy to address, so no complaints here!<\/p>\n\n\n\n<p>In fact, some lenders will outright refuse an application just for this reason. So if you\u2019re planning on borrowing money or getting a credit card, it is worth making sure you have a mobile phone contract first.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Get_a_credit_card\"><\/span><strong>4. Get a credit card<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A credit card can help you build your credit in several different ways, so long as you use it responsibly.<\/p>\n\n\n\n<p>Lenders prefer people with a higher number of existing borrowing accounts, because these accounts show that lenders have already decided to trust you \u2013 like a vote of confidence.<\/p>\n\n\n\n<p>Also, lenders like when individuals have a good \u2018credit mix\u2019, which means they use a variety of different forms of credit. If this is your first credit card, it will boost the number of types of credit you use.<\/p>\n\n\n\n<p>Most importantly, making credit card payments can help you build up a strong payment history. If you have a history of making repayments on time, it shows lenders you can be trusted to do so in the future.<\/p>\n\n\n\n<p>If you\u2019re worried about getting into debt, you definitely don\u2019t need to spend big on your card. You can just pay for smaller regular expenses on your credit card, such as your weekly groceries. As long as you charge small amounts to your card each month and keep the account open, you will build your credit.<\/p>\n\n\n\n<p>You can make sure that you pay off the bill on time each month by setting up a direct debit. This way, you don\u2019t pay any interest, and can still build a strong payment history.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_If_you_have_a_credit_card_balance_pay_over_the_minimum_repayment\"><\/span><strong>5. If you have a credit card balance, pay over the minimum repayment<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Paying just the minimum repayment on your credit card hurts your credit in a big way. This is because it\u2019s a sign of poor affordability \u2013 it makes it seem like you can\u2019t afford to pay any more, and therefore can\u2019t afford to borrow.<\/p>\n\n\n\n<p>If the last payment on your card is a minimum payment when you make an application for credit, it can hurt your borrowing chances. And lots of minimum payments in the past year make lenders think you may be struggling with your finances in the long-term.<\/p>\n\n\n\n<p>Paying even just 1% above the minimum repayment will make a significant difference to how lenders see you. So unless you are truly skint, this is a quick and easy way to build credit fast.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_next\"><\/span><strong>What next?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you have no credit history it can be hard to know where to even start. At Credit-Score, we give you a score that lines up to what matters when it comes to credit: how lenders really see you. Not only this, but we\u2019ll show you personalised tips based on your unique credit file, so that you can see what you can do to boost your score.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.check.co.uk\/register\">Sign up today! It&#8217;s fast, and costs less than \u00a310.<\/a><\/p>\n\n\n\n<p><strong><em>Last updated by Robert Edwards, May 2022<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"If you are someone with no credit history, you\u2019re not alone. Many people won\u2019t have thought much about&hellip;\n","protected":false},"author":6,"featured_media":2036,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[324,320,317],"tags":[376,368,377,371,369,375],"class_list":{"0":"post-2035","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-basics","8":"category-score-booster","9":"category-credit-score-account","10":"tag-affordability","11":"tag-booster-tips","12":"tag-build-credit","13":"tag-credit-activity","14":"tag-credit-cards","15":"tag-thin-file"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2018\/05\/tools-2639384_1280.jpg","author_info":{"display_name":"Claire Ben Chorin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/claire\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>No Credit History? 5 Best Ways To Build Credit Fast | Credit-Score<\/title>\n<meta name=\"description\" content=\"If you are someone with no credit history, you\u2019re not alone. It might not even have crossed your mind. But credit is important.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"No Credit History? 5 Best Ways To Build Credit Fast | Credit-Score\" \/>\n<meta property=\"og:description\" content=\"If you are someone with no credit history, you\u2019re not alone. It might not even have crossed your mind. But credit is important.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/\" \/>\n<meta property=\"og:site_name\" content=\"Check.co.uk - See the problems your credit score hides\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/creditscore.co.uk\" \/>\n<meta property=\"article:published_time\" content=\"2018-05-18T11:22:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-30T09:01:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2018\/05\/tools-2639384_1280.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"759\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Claire Ben Chorin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Claire Ben Chorin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/\"},\"author\":{\"name\":\"Claire Ben Chorin\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/#\/schema\/person\/f4e68f3ed3394299ce4182e8f94ae3d9\"},\"headline\":\"No Credit History? 5 Best Ways To Build Credit Fast\",\"datePublished\":\"2018-05-18T11:22:52+00:00\",\"dateModified\":\"2022-05-30T09:01:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/\"},\"wordCount\":1100,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2018\/05\/tools-2639384_1280.jpg\",\"keywords\":[\"affordability\",\"booster tips\",\"build credit\",\"credit activity\",\"credit cards\",\"thin file\"],\"articleSection\":[\"Credit Basics\",\"Score Booster\",\"Your Credit-Score Account\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/\",\"url\":\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/\",\"name\":\"No Credit History? 5 Best Ways To Build Credit Fast | Credit-Score\",\"isPartOf\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/best-ways-to-build-credit-fast\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2018\/05\/tools-2639384_1280.jpg\",\"datePublished\":\"2018-05-18T11:22:52+00:00\",\"dateModified\":\"2022-05-30T09:01:47+00:00\",\"description\":\"If you are someone with no credit history, you\u2019re not alone. 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