If you don’t have any credit history yet, it’s a really good idea to start building up your file. You can do that by thinking about what makes sense for you. It could be starting to pay a utility bill in your name, taking out a loan, or getting a credit card or some other kind of credit. Whatever you choose, make sure it’s realistic for you and will be manageable to repay.
Here are some ways you can build your credit history:
Make sure you’re registered on the electoral roll – you won’t be able to get a mortgage without doing this!
Open a UK bank account –  if you’re new to the UK, or haven’t ever had a bank account in your name, it’s a great place to start as a way to build your credit history.
Take out a utility bill in your name – this could be a mobile phone contract, an energy bill, internet or water.