One way to build your credit history is to have active credit accounts and manage them responsibly over time. Credit providers usually want to see that you can borrow money and pay it back on time.
The longer you manage your accounts well, the better your credit history should look.
Consider using credit responsibly
If you don’t have any credit accounts, you could consider applying for a credit card or another form of credit that suits your needs.
Before applying, check your offers to see what may be available to you. To help us show offers that may be relevant, make sure the details we have for you are correct. Only apply for credit if you’re confident you can afford the repayments.
Use credit and pay on time
Using a credit card and paying it off on time every month can help improve your credit score. If possible, try to pay the balance in full.
Always stay within your means and only spend what you can afford to pay back. This helps show credit providers that you can manage credit responsibly. Over time, this can build your credit history and may improve your score.