How to build credit as a new UK immigrant

Moving to a new country is a huge step. Between finding a place to live, securing a job, and adjusting to new routines, your credit score might be the last thing on your mind.  

But in the UK, credit history plays a big role in everyday life – from renting a flat to getting a mobile phone contract or qualifying for a mortgage. 

And building credit from scratch in the UK can feel overwhelming. You might have a solid credit history in your home country, but credit scores don’t travel across borders. Thankfully, with a few simple steps, you can start laying the foundations for a strong UK credit file. 

Here are some practical ways to start building your credit score as a new immigrant in the UK. 

1. Open a UK bank account 

Opening a UK bank account is often the first financial step when settling in. It’s essential for setting up direct debits, getting paid, and proving your address – all of which can support your credit health journey. 

2. Register on the Electoral Roll 

It might seem unrelated, but registering to vote is a small step that can improve your credit score. Lenders use the Electoral Roll to confirm your details, which helps build trust. 

If you're not eligible to vote in the UK, you won’t be able to register – but don't worry. There are still other ways to establish your address history and grow your score. Read more about the impact of address changes. 

You can make sure your address is registered correctly at each credit reference agency with your most detailed credit report. At Checkmyfile, we show all your information from Experian, Equifax, and TransUnion in one place. Sign up now.  

3. Pay your bills on time 

Paying your bills on time, every time, is one of the simplest ways to build a good credit score. Setting up direct debits makes sure payments are made automatically, helping avoid missed or late payments. 

Think mobile phone contracts, broadband, and energy bills. As long as the provider reports to credit reference agencies, these payments count in your favour. 

4. Monitor your credit utilisation 

If you take out credit, it’s important to monitor your credit utilisation – this is how much of your available credit allowance that you’re using.  

Try not to use too much of your available credit. This can lead lenders to believe you’re overly reliant on loans, which could signal you have a lot of debt and therefore are less likely to be able to afford to pay them back.  

5. Only apply for credit when you need it 

When you apply for credit, the lender performs a ‘hard search’ on your credit report. Too many applications in a short space of time can also make you appear dependent on credit and a higher risk to lend to, which can negatively affect your score.  

6. Use rent reporting services 

If you rent, chances are it’s one of your biggest monthly expenses. Despite this, it doesn't always show up on your credit file. That’s where rent reporting services could come in handy. 

These platforms report your rent payments to credit reference agencies, helping you build a positive history through regular, on-time payments. It could be a great way to turn everyday costs into credit-building opportunities. You can read more about these services here.  

7. Check your credit report regularly 

Monitoring your credit health is one of the best ways to track your progress, spot errors, and understand how lenders could see you.  

With Checkmyfile, you see your information from the UK’s three main credit reference agencies in one place. It’s the most detailed credit report you can get.  

Checking your report doesn't affect your score, and it can be empowering to see how your actions are helping you grow. We’re all for celebrating little wins along the way, too. As you pass personal milestones, you’ll unlock achievement coins that serve as a reminder of how far you’ve progressed.  

Final thoughts 

Building credit as a new UK immigrant might take time, but every step you take adds up. From opening a bank account to using tools like rent reporting and credit builder loans, there are plenty of ways to get started. 

Stay consistent, pay on time, and monitor your credit report to stay on track. 

Ready to take control of your credit health journey? Take the first step and sign up.