{"id":4234,"date":"2019-10-09T13:28:31","date_gmt":"2019-10-09T13:28:31","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=4234"},"modified":"2022-08-23T09:22:44","modified_gmt":"2022-08-23T09:22:44","slug":"credit-reputation","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/credit-score-account\/credit-basics\/credit-reputation\/","title":{"rendered":"7 proven ways to build credit reputation while you\u2019re still young"},"content":{"rendered":"\n<p>It\u2019s important to build up a good credit reputation while you\u2019re still young, as it could be a deal-breaker when it comes to renting a flat or taking out insurance. You\u2019ll always get the best deals and have a higher chance of approval for credit as well. <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Take out a credit card<\/li><li>Get an overdraft<\/li><li>Keep your oldest credit agreement open<\/li><li>Spend within your means<\/li><li>Sign up for the electoral roll<\/li><li>Add your name to bills<\/li><li>Look at your Credit-Score booster tips<\/li><\/ul>\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\/credit-basics\/credit-reputation\/#Building_up_a_credit_reputation_is_vital_in_getting_great_deals_and_ensuring_your_chances_of_being_accepted_when_applying_for_credit\" >Building up a credit reputation is vital in getting great deals and ensuring your chances of being accepted when applying for 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\/credit-basics\/credit-reputation\/#1_Take_out_a_credit_card\" >1.&nbsp;Take out a credit card<\/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\/credit-basics\/credit-reputation\/#Be_careful_to_ensure_that_you_pay_off_the_balance_in_full_every_month_Paying_in_full_will_benefit_your_credit_reputation_in_several_ways\" >Be careful to ensure that you pay off the balance in full every month. Paying in full will benefit your credit reputation in several ways:<\/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\/credit-basics\/credit-reputation\/#If_youre_offered_a_higher_credit_limit_further_down_the_line_take_it_This_will_increase_your_total_credit_limit_so_lenders_will_be_able_to_see_that_youre_trusted_to_borrow_a_large_amount_of_money\" >If you\u2019re offered a higher credit limit further down the\nline, take it. This will increase your total credit limit, so lenders will be\nable to see that you\u2019re trusted to borrow a large amount of money.<\/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\/credit-basics\/credit-reputation\/#2_Take_out_an_overdraft\" >2. Take out an overdraft<\/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\/credit-basics\/credit-reputation\/#Dont_go_crazy_with_it\" >Don&#8217;t go crazy with it<\/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\/credit-basics\/credit-reputation\/#3_Create_long_term_relationships\" >3. Create long term relationships<\/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\/credit-basics\/credit-reputation\/#4_Spend_within_your_means\" >4.&nbsp;Spend within your means<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/credit-basics\/credit-reputation\/#What_happens_if_I_end_up_in_an_overdraft\" >What happens if I end up in an overdraft?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/credit-basics\/credit-reputation\/#5_Sign_up_for_the_electoral_roll\" >5. Sign up for the electoral roll<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/credit-basics\/credit-reputation\/#6_Add_your_name_to_the_bills\" >6.&nbsp;Add your name to the bills<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/credit-basics\/credit-reputation\/#What_to_do_instead\" >What to do instead<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/credit-basics\/credit-reputation\/#7_Look_at_your_Credit-Score_booster_tips\" >7. Look at your Credit-Score booster tips<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/credit-basics\/credit-reputation\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Building_up_a_credit_reputation_is_vital_in_getting_great_deals_and_ensuring_your_chances_of_being_accepted_when_applying_for_credit\"><\/span>Building up a credit reputation is vital in getting great deals and ensuring your chances of being accepted when applying for credit.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p> With a weak or non-existent credit reputation, you\u2019re more likely to be rejected or get offered inflated rates. If you\u2019re still young (I\u2019ll let you decide that for yourself) then getting started early can help you when you need it. <\/p>\n\n\n\n<p>But it isn\u2019t all about getting accepted for credit.\nSometimes, you may need to have a credit check when renting a flat, apartment,\nor house \u2013 if this is the basis of their decision between you and another person,\nyou\u2019ll want to make sure you have a strong credit report. In some cases, your\ninsurance quotes can be impacted by your credit report.<\/p>\n\n\n\n<p>So, young or not, if you plan on taking out any form of\ncredit, including a mortgage or mobile phone contract, or even renting an\napartment, getting a job, or taking out insurance &#8211; get started now. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Take_out_a_credit_card\"><\/span>1.&nbsp;Take out a credit card<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>First and foremost, get yourself a credit card. If you\u2019ve never had any credit before, you\u2019re likely to be offered a relatively low credit limit and a high rate \u2013 this isn\u2019t anything to be alarmed at. It&#8217;s not that you have a bad credit reputation &#8211; you just don&#8217;t have a credit reputation. You\u2019ve got to show that you can use credit sensibly before you will be offered a lower rate or a higher credit limit. <\/p>\n\n\n\n<p>Use the credit card lightly, using only 10% of your credit\nlimit each month. This shows that you\u2019re not desperate for quick cash. It\u2019s a\ngood idea to use your credit card to pay for items that you\u2019ve budgeted for,\nrather than spending out of your means. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Be_careful_to_ensure_that_you_pay_off_the_balance_in_full_every_month_Paying_in_full_will_benefit_your_credit_reputation_in_several_ways\"><\/span>Be careful to ensure that you pay off the balance in full every month. Paying in full will benefit your credit reputation in several ways:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>You are proving that you can afford the credit card you\u2019ve taken out. <\/li><li>Paying higher than the minimum payment improves your payment history \u2013 if your payment history shows that you regularly pay in full then lenders will be more likely to lend money to you.<\/li><li>You don\u2019t end up in a cycle of debt \u2013 it can be tempting to let debt sit on your card for another month, but you\u2019re just putting future you in trouble. Get rid of the debt early to ensure that you don\u2019t run into any problems later.<\/li><li>If you pay off your credit card in full each month, you won\u2019t accrue interest. This is vital if you\u2019ve been offered a high rate. <\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"If_youre_offered_a_higher_credit_limit_further_down_the_line_take_it_This_will_increase_your_total_credit_limit_so_lenders_will_be_able_to_see_that_youre_trusted_to_borrow_a_large_amount_of_money\"><\/span>If you\u2019re offered a higher credit limit further down the\nline, take it. This will increase your total credit limit, so lenders will be\nable to see that you\u2019re trusted to borrow a large amount of money. <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Don\u2019t close this credit card. If this is your first credit\nagreement, you\u2019ll benefit from keeping it open long term. As long as you use it\nevery now and then, it will benefit your credit report by increasing your\ncredit history time period. <\/p>\n\n\n\n<p>If you choose to take out a credit card to increase your\nlimit, make sure you pay at least the minimum payment <strong><em>every month.<\/em><\/strong>\nThis is the case even if you have a 0% promotional period on your credit card.\nMissing a payment will have a negative impact on your credit report, and the\nlender is likely to revoke any promotion applied to your account. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Take_out_an_overdraft\"><\/span>2. Take out an overdraft<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Again, do this early. As soon as you can, add an overdraft\nto your bank account. In this case, you don\u2019t need to use it \u2013 you will be\njudged on how often you need to dip into it, so try to ensure you don\u2019t use it\noften, or at all if you\u2019re able to. Having an overdraft on your bank account\nshows lenders that your bank trusts you to repay the money. You can also show\nthat you don\u2019t need it, by not using it.<\/p>\n\n\n\n<p>If you tend to see your \u2018available balance\u2019 as \u2018money you\u2019re allowed to spend\u2019, this may not be ideal for you. You\u2019ve got to be able to resist spending within your overdraft unless it is essential. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dont_go_crazy_with_it\"><\/span>Don&#8217;t go crazy with it<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>While it\u2019s great to have an overdraft, if you tend to use it\nevery month, you\u2019re likely to see a negative impact on your credit report. It\ncould be worth consolidating it into a loan to keep out of your overdraft.\nConsider your options here, but if you\u2019re able to get out of your overdraft,\nthen do so!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Create_long_term_relationships\"><\/span>3. Create long term relationships<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Lenders are more likely to lend you money if they can see\nthat you\u2019ve got a long history with another lender. This might be the bank\naccount that you\u2019ve been using since your parents opened it for you \u2013 adding an\noverdraft to it will turn it into a credit agreement. <\/p>\n\n\n\n<p>Having a long-term credit agreement can do wonders to your\ncredit report, so try to ensure that you keep your first agreement open if it\u2019s\na credit card or a bank account. If your first agreement is your electricity or\ngas, this isn\u2019t feasible, as you\u2019re likely to save money by switching often.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Spend_within_your_means\"><\/span>4.&nbsp;Spend within your means<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It\u2019s important to not see an overdraft or credit card as free money. This is a mistake that\u2019s often made, especially when given a large interest-free overdraft or credit card and can put the borrower into a cycle of debt. You can also land some hefty fees once a promotional period has come to an end.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_happens_if_I_end_up_in_an_overdraft\"><\/span>What happens if I end up in an overdraft?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In the case of an overdraft \u2013 save it for emergencies. Try\nto make sure you\u2019re only using it when you have no other options. Take a look\nat the fees that can occur when you use your overdraft as well. <\/p>\n\n\n\n<p>In the case of a credit card \u2013 don\u2019t use the money for\nsomething you can\u2019t afford, even if you have a high limit. It\u2019s <strong><em>not<\/em><\/strong>\nfree money, and you <strong><em>will<\/em><\/strong> have to pay it back, so it\u2019s not the\nideal means of purchasing the latest iPhone or games console. You could end up\npaying a great deal in interest, so you\u2019re going to lose money by purchasing it\nthis way.&nbsp; <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Sign_up_for_the_electoral_roll\"><\/span>5. Sign up for the electoral roll<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Get yourself on the <a href=\"https:\/\/www.gov.uk\/register-to-vote\" target=\"_blank\" rel=\"noreferrer noopener\">electoral roll<\/a> as soon as you\u2019re able to. Not only will this mean that you can vote in elections, but you\u2019ll also be making yourself more creditworthy by increasing your stability. <\/p>\n\n\n\n<p>Registering is super simple; you only need about two minutes\nand your National Insurance number. If you are at university, you can register\nto vote in both your hometown and your university town, although you can only\nvote in one. It\u2019s worth doing this to ensure that you\u2019re able to vote in every\ngeneral election. <\/p>\n\n\n\n<p>When you move house, add it to your list to make sure you\nre-register straight away, this keeps up a solid history of electoral roll\nregistration, ensuring that you look your best when you apply. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Add_your_name_to_the_bills\"><\/span>6.&nbsp;Add your name to the bills<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When you move in with housemates it\u2019s common to let one\nperson handle all of the bills. This works for billing and allows you to pay a\nlump sum to them every month. This is especially helpful if there\u2019s someone\nwho\u2019s naturally organised in your household.<\/p>\n\n\n\n<p>The downfall is that only that person is reaping the benefits of being the named bill payer of the household. If the company reports to any of the three bureaus, then they\u2019re building up a solid payment history on their credit report. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_to_do_instead\"><\/span>What to do instead<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You can ask to add an extra name to the bills, and you\nshould. Make sure everyone in the house is named on at least one bill each.\nThis will benefit you more than just on your credit report, too! You often need\nproof of address to sign up for the dentist, doctors, library, and even the vet\n\u2013 your bill will count, as long as you are named on it. <\/p>\n\n\n\n<p>Be aware that this could link you and your housemates\nfinancially, which means that their creditworthiness will affect yours \u2013 this\nwill be the case while you have an open credit agreement that you are both\nnamed on.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Look_at_your_Credit-Score_booster_tips\"><\/span>7. Look at your Credit-Score booster tips<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can take the guesswork out of building your credit with <a href=\"https:\/\/www.check.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s booster tips<\/a>. You just sign up for free and take a look at the \u2018Score Boosters\u2019 tab. Here you\u2019ll see a list of actions you can do which will improve your creditworthiness and a list of actions to avoid which will impair your creditworthiness. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n\n\n\n<p><strong><em>Last updated by Robert Edwards, July 2022<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"It\u2019s important to build up a good credit reputation while you\u2019re still young, as it could be a&hellip;\n","protected":false},"author":22,"featured_media":4240,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[324,254,284,297],"tags":[377,408,371],"class_list":{"0":"post-4234","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-basics","8":"category-credit-cards","9":"category-money-matters","10":"category-university","11":"tag-build-credit","12":"tag-building-credit","13":"tag-credit-activity"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/10\/80652197.jpg","author_info":{"display_name":"admin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/admin\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Reputation: 7 Ways To Build Your Credit | Credit-Score<\/title>\n<meta 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