20. Noddle – Free UK Credit Report for Life.

NODDLE.CO.UK – FREE CREDIT REPORT FOR LIFE.

Your credit file tells a lot of your lending habits and how good your are as a customer for banks to lend you money or mobile phone providers to give you 24 months phone contract.

Building a credit rating is a long term process but the key tips remains the same:

Get yourself on Electoral Roll asap once you are in UK.

1. Try getting a basic credit card even for a 100 pounds credit limit. Remember, debit cards are like cash and don’t build your credit score. Even if you don’t need  credit card, it may help for for a future loan or mortgage

2. Always good to pay in Full using a Direct Debit via Bank.

3. Request to increase credit limit after 6 months. The more unused credit limit you have, the better it can reflect on your rating.

There are 3 key providers of Credit rating/scores:

1. Experian
2. Equifax
3. Call Credit

Our recommended is www.Noddle.co.uk, part of Call Credit, offering a completely free credit score report for Life.