How Do I Build a Credit Score When I Move Abroad With No Credit History?

Tokunbo Central’s answer: credit systems differ between the UK, Canada, the US, Europe and Australia, but the same habits build a good record almost everywhere.

• Get on the official records: register at your address where the system uses it (for example, the electoral register in the UK, if eligible) and keep your address consistent on all accounts.
• Open a local bank account early and keep it in good standing.
• Start with a starter or secured credit card: spend a small amount and pay it off in full every month.
• Pay every bill on time: phone contracts, utilities and rent in your name can all help.
• Keep usage low: use well under your credit limit, ideally less than a third.
• Avoid applying for lots of credit at once. Each application can leave a mark.
• Check your report for free through the official credit agencies or free apps in your country, and fix errors.
• Be patient: most people see real improvement within 6 to 12 months.

Your turn: how long did it take you to build a decent credit score, and what helped most?