Andy is not like other KZfaqrs. He is awesome.

A great way I’ve got my score up in the past few years is PayPal pay In 3. I had an awful score and am nearing a perfect score pretty much solely from using this on a monthly basis. Couldn’t get a credit card originally and worked whilst my score was really low (not sure how PayPal are with new users though, I’ve been a PayPal customer for a long time.) it’s been super handy though has been a bit of a hit and miss as occasionally it dips the score by a small amount but goes up, watching this video makes it all make a lot more sense though!

So the uk is £2.3billion in debt and they want to give ME a credit score?

They set up these credit score rules to make people fail. How is it fair that you suffer because of inaccurate records that someone ELSE is keeping. Not just annoying; it is plain WRONG!

Never Been on the electoral roll, and didn’t know it affects credit. You learn something new everyday

Paying bills on time: EDF invoice me and then claim I'm "overdue" after 14 days. Requested confirmation of this from Ts & C's and their legal section, with deafening silence - impacting my score. Lesson: never ever use EDF....

Great video Andy. Very useful for everyone.

The UK credit system needs to be revised. Its outdated and disproportionate.

Looking forward to some good insider tips rather than the usual stuff about utilisation, searches and length of credit that you hear every other KZfaqr regurgitate

Supper simple and informative! thank you for this lovely video

Thanks buddy, all good but Experian not getting access to my bank, fk right off with that one they can 😅😒

Andy, this video is simply pure gold! I’m trying to build a good credit history as I’d like to get a house in a relatively short time. I have a combined credit limit of roughly £5k and I was wondering wether I should increase my credit limit to show lenders that they could give me more money when it’s time to purchase a house.

from what I can tell if you're disabled your credit score doesn't matter, if you have 999 credit score no one will care if you're unemployed you get rejected for everything

Absolutely brilliant 👏 👌 thank you

Great Informations Thank you so much for your effort

Just opened a Canopy account to track rent and got a Tesco credit card 🤞

very good information.thank you so much

As always, valuable suggestions, which is more doable. Having access to excessive credit cards amount (let's say got 3 credit cards, spending hasn't increased) overall spending percentage dips. Is it advisable to reduce credit limit among them rather canceling (if still using those credit cards) OR not much worth reducing credit limit? Would like to see your take on it. Thanking you in advance 🙏

Very helpful video Andrew. Thank you 👍🏽

This is very useful, thank you

I’ve registered to vote 4 months ago but it’s not showing up on my ClearScore account. No idea what’s going on.

Great Info! Thanks Andy

Excellent advice.

Hi, really enjoyed the interesting video. Thank you! One question… Some of the service providers are on subscription basis, is there a effect on credit score or have to make them as direct debits for a better effect?

You missed credit utilisation, transunion mark you down if you utilise more than 25% of your availibe credit on cards.

Hi Andy! I was turned down for finance via Barclay's and amazon even though I have an excellent score at the moment. Also I was wondering how to add new bank accounts onto my Experian account and how do Experian find my utilities bills etc as I always pay on time via direct debit. Many thanks Andy.

Thank you so much

I used to keep changing address all the time, i hate staying in one place, and i used to change the electoral register each time i move because i heard being registered to vote is a good thing, i checked my credit score and the length of time on electoral register resets everytime you move, i never realised this before, i thought it stacked up :(

I’m getting a credit card soon to use for general daily expenses for the sake of racking up membership points. My partner will be given a supplementary card so that he can also help with racking up the points. I know for sure that we are both financially disciplined and will be able to pay off the monthly repayments on our credit and purchases. If we almost max out our credit, will our credit score drop, despite paying the credit card off every month without any default? If so, is it worth increasing the credit limit just so our credit utilisation will be at around 30%?

How about using your credit as your daily spend method? I use my credit card as my monthly spend budget but pay it off at the end of every month in full. Can doing this negatively impact my credit score in the long run? I’ve been doing this for 5mth now and my score has gone up across all 3 CRA but will it impact my score over a longer period of time?

Great video, thanks 👍🏿

Good information but to late for me i am the one in the is problem how i can fixed it please

Does Pay monthly 12 or 24 months SIM only contracts help building the credit score?

Hay Andy, I've just discovered your channel and have been watching a number of your vids as they're good content. Question for you: does having more current accounts bolster your score or is it neutral? I've had my main account for over 15 years and am certainly not getting shot of that, but I do have another account that was set up about 7 years ago but that I've not used for 3 years. Would it be a good idea to use this as "dummy" from which to benefit from a switch or would I be best off leaving it open given the time I've had it? Thanks.

Sick of my credit score going up and down. I've cancelled two of my four credit cards as they said i wasn't utilizing much credit. I have a decent amount of savings and pay off any credit pretty quickly. So, I say sod em and dont worry about it anymore.

Did all those things, except for switched to Starling a few months back, now being penalised as I have not had my current account for that long, thats the penalty you pay when dumping a bad bank. Any advice on getting around this?

Andy, 1. is opening Credit Card is mandatory to improve credit report ? 2. Does standing order from bank will also improve credit report (where one of the tenant agent doesn't have Direct Debt feature)

What about if you change your name? I've changed my name and ended up with two credit scores. The older one had a dro, the new one has a lower score. I am self employed so which accounts are best to open in relation to my CS?

very informative video Andy. Thank you ever so much. I have 2 questions however, There are some unrecognised checks appearing on my experian account and you mentioned that there are Hard Checks and Soft Checks, so my question 1 is how do I know which is hard check and which is soft check? in other words, I understand that Hard Checks are visible to the other potential lenders and Soft Checks are only visible to me, but How do I know which check is visible to the other potential lenders and which check doesnt? Question 2, Is it ok companies to just randomly check your credit score even soft and is it worth calling them and to say leave me alone? :) I would be grateful to get an answer either from you or someone who can answer it for me but if not still grateful for the information I got from the video.

I have never had a credit card before and I only need one to get a good credit score by the end of the next year. From my understanding from this video, I need to use under 30% of my limit and pay in full as soon as possible. Is there any card that doesn't charge me any rate if I repay it immediately? Sorry if my question sounds stupid, but I am a newbie.

Andy, I wonder if you can explain how the credit searches. This site shows you all 3 agencies, my questions are: 1) I have noticed 4 soft searches on my file against my name for my previous address which I am not aware of at different times over the last two years, I raised a query with check my file (I have free 30 trial), they said I need to contact the companies directly which I will do, I am wondering if searches are or can be linked to previous address ? 2) the reason I ask is I have not applied for a new credit card with a certain lender this month but my partner has (we both live at the same address), this has now popped up as a soft search - do the agencies search the address, and or anyone ever linked to that address should this be anything to worry about?

Hi thank you for the video, for lowering credit utilisation. Is it possible to apply for another credit card and spread across evenly on the spending resulting in the lower credit utilisation to 20%?

CREDIT UTILISATION: Let's say I have a £10k credit limit and borrow £5k. As you say, that's 50% credit utilisation. BUT suppose I then pay off the £5k by the due date and leave a zero balance on my account. Does that help or hinder?

This days to be honest it’s quite difficult 😞 to Pay everything on time. As everything is very very expensive

I done all of these things and my credit score has got to a good level but stopped and has stayed the same for a while now, what more can I do to improve it?

Recently moved to the UK and opened a current account. As I am not an UK citizen I am not eligible to vote. You mentioned in 1:15 that I can get this added to my credit file, how can I do this with TransUnion? They keep saying that they can't verify my identity. Should I just email them, or is there a better procedure to get my credit score/report updated/created?

Questions for point number 2: Does that mean direct debit payments like Spotify, the gym or even an your own ISA are checked for if you pay in full on time? So missing one of these payments may affect your credit score? Point 4: For consistency - making a social media account or a new account with a shopping website, my email, number and address stays the same but sometimes i use my nickname or first letter of my name to protect some of my privacy.. will that affect my score? Or does this only apply to identity specific records like university and job applications?

Hi Andy, This might be a naive question, but I would like to know if fully paying off something could affect the buying protection you get from using a credit card. For example, say I paid for flights (not a package holiday) for a trip in a few months. I paid using a credit card and can pay it off now. However, I want to make sure I can charge back the flight money should covid restrictions prevent me from going and the Non-EU/UK airline takes the piss with a refund. Will fully paying off the flights now limit the buying protection I have? Thank you.

Hi Andy… Can we apply to The other Credit score agencies to find out our credit score. Went to SCS Sofa’s… The sales guy didn’t notify me which credit agency has rejected us buying the sofa. Please help… Me and my wife are always on time paying all our bills. I can’t still believe we have been declined.

thanks Andy. super helpful information !

Can you use the credit card? For direct debit for bills? And from debit card to have set up direct debit to the credit card? This will help or can be bad? This will help to boost faster the credit score? Or can have a bad impact? Thanks

I found this video too late, my bank sold me to the idea of a better credit card than the one I had and without knowing the impact I ask to close my previous long timer card ...I wish they and told the consequence...it ruined my credit 😒

Hi, just an enquiry. What tips would you share, for people with no credit score. As in, starting from scratch?

I’m a 18 yearold with a first propper bank I have registered to vote i literally have no credit score how do I build this asap so I can buy a phone on credit and get a credit card how many points do I need

Does a loan and 2 credit card affects credit score? Never miss any payment and credit card paying full each month.

Hi Andy, how does Karlna and overdraft affect your credit score? How much effect will it have on your mortgage application?

Hi Andy thanks for your video, very useful infos. My situation is that just because I have opened a new insurance account my Experian credit score dropped by 50 points! How insane is that? I can’t believe that. I really want to recover it a bit and I have a Barclaycard which honestly I have never used before. I have one question, if I pay the Barclaycard statement in full right by the due date will it help to increase my credit score? Is it something that will drop my score even further at the beginning and then bring it back up though? Thanks in advance!

What do you recommend to check my credit score without affecting it and be safe? Ty

I had this happen to me with an Ex girlfriend with a mobile phone contract....terrible. but a big life lesson

My husband opened 3 current accounts in short space of time we didn't know a hard search would be made by the banks. Next month it will be a year since he opened the accounts and I've heard equifax remove hard searches after a year. But transunion after 2 years. Were both planning to apply for mortgage will we be rejected because of hard search

What do you consider to be a good score?

So I have a shared account with my husband. And all our bills are on both of our names . But he has an amazing credit score and it is not that I have bad score but the app can't even find me in the system and see my score.Which means the system can't see me as a partner in payments all do I pay more then he does 🙈I'm quite angry and up set. Now I have probably a score like a 14 years old who never owned anything yet What's that and what do I do ?I'm desperate to have a purchase credit card and balance credit card 🙈

That's wat I want

Can I improve my credit 364? I’m scared becashe if how low it is and want to improve it fast

What happens if you have a credit card and it's never used

I’m not sure if you addressed this or not. however I wanted to ask is it advisable to get a credit card with the same bank that you have your current account? Or is it advisable to get a credit card with another bank? Also, how much is a good balance to apply for & how much to use monthly to improve credit to get a mortgage? Thank you in advance

Very true

Don't waste your time opening an account with Experian. They'll do nothing for you rather proving inaccurate information about your credit which I assume they also send to the lenders.

i really need some help here im at the end of my witts, i opened a loqbox account and paid the whole year on time, and never missed a payment, when the year was over instead of getting a promised increase they take 89 points away from me and im baffled as to why and they dont want to give me a reason why, i understand it isnt your place to give advice but if anyone could shed some light on this matter id be very greatfull, its got me so depressed to the point im questioning why im even bothering to increase my score anymore

I have just moved out from my parents house. I have one bank account registered at my old address and one registered at my new address. My credit rating is terrible at my new address but great at my parents house thoughts?

Your paintings are wonky mate

What do you think about LoqBox for a new UK resident?

If you allow, credit score controls and dictates how you live your life. Don't fall into that trap.

I have been trying to find a way to get a late payment removed from my credit file, there are loads of US videos about this but nothing from this country. Please can you advise? Thanks

Hi, my Experian credit score is at 851 and I don't have a credit card but want to get one, Do I have to only look at credit cards for building credit or can I look at others as well

What is too much of large amount of credite available ?

🎉🎉🎉Excellent ❤🎉🎉🎉❤❤

Hi so if u yes 30 dollars on ur credit card, n pay the 30 dollars right back, does that help your score?

I have a credit card with £2000 limit and was told to only use £100 every month to keep my credit score healthy! What the hell? Does not make any sense. I pay it off in full every month so it shouldn't matter. I don't even need a credit card and only have one to raise my credit score after I purchased a house! Stupid rules.

Do you write your own comments ???

How can I get my first credit card in the UK?

Nice 🥀🥀🥀🥀🥀👌👌

U can not fix your credit report it’s a load of bullshit, I missed out one payment of a bill over 20 years ago & I am still black listed it’s a load of bollocks

It's so braindead to only be able to use some of your credit limit if you want a good credit score

Can I jump from 418 score to 800s in 14days?

Avoid these BNPL products, I’d clearpay and my credit files showed how many BNPY I’d

🙏🙏🙏

It's all fine and dandy until you decide to stop playing ball ⚽ and don't do exactly what society demands from you...

Hello and good afternoon I don't suppose you have an email I can contact you in regards to this ? I really need to sort my credit report. Thank you