BuildMyCreditScore

BuildMyCreditScore - The debit card that works with your bank to build your credit score through everyday spending¹.
The majority of our customers that used the product as recommended, see an increase in their score of between 11 and 55 points within the first 3 months².
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▪ Works with all the major UK high-street banks
▪ Reports to the 3 main UK credit reference agencies: Experian, Transunion and Equifax
▪ Soft credit check is not visible to lenders
▪ No interest rates or hidden fees
▪ Designed to build your credit score
▪ Sign-up in under 5 minutes
HOW IT WORKS
▪ Sign up and connect your BuildMyCreditScore debit card to your bank account.
▪ Use your new debit card for small daily purchases, and we'll process the payment a few days later using direct debit.
▪ At the end of every month, we report your purchases and payments to the 3 main UK credit reference agencies to build your credit¹.
WHAT OUR CUSTOMERS THINK:
“It’s a great card so easy to use, helps build your credit every time you use it, just use it in any shops.”
“Highly recommended, especially in this day and age when everything is based on credit scores.”
“I am delighted as this is exactly what I signed up for with this card.”
FAQS
What are the best ways to use BuildMyCreditScore?
▪ The debit card is specifically designed for small everyday purchases such as coffee, train fares and other incidentals, as well as regular payments like Netflix and Spotify. What sets the card apart is its optimisation to transform those seemingly insignificant purchases into significant boosts to your credit score².
How long will it take to build credit?
▪ You should think of this as a 12-month journey to establish a robust credit history. For the price of just a few cups of coffee per month, you’ll have the opportunity to save thousands of pounds on future borrowing³.

¹ BuildMyCreditScore reports on time and late payments, which may negatively impact your credit score. Credit scores are independently determined by credit reference agencies based on a number of factors, including your other financial transactions. BuildMyCreditScore reports to Transunion, Experian and Equifax. The BuildMyCreditScore Debit Card and related services will not remove negative credit history from your credit report.
² Data is based on a study of active customers with good credit habits. Individual results may vary. For details please see the full study at buildmyscreditscore.com/study.
³ Estimates based on a study by MoneyComms.co.uk 22.09.2022