UK credit-readiness planner
Newly arrived in the UK and building a credit history from scratch? Answer six quick questions and get a personalised, priority-ordered plan for the months before you apply — free, unlocked by email, printable to keep.
This is general guidance, not advice: it doesn't assess your actual credit file or guarantee any lender's decision.
Worked example: 3 months in the UK, planning to buy within a year
UK bank account under 6 months old, no UK credit card yet, not on the electoral roll, at the current address under 12 months, no missed payments, buying within 12 months.
Scores 28/100 — band: early.
- high — Register on the electoral roll — the biggest single quick win for your credit file. (this week)
- medium — Keep your UK current account active and well-used — it's still building a track record. (within the next 1-2 months)
- medium — Open a UK credit card (or credit-builder card) and use it lightly, paying it off in full every month. (within the next 1-2 months)
Change the inputs below to model your own numbers.