Why does BuildMyCreditScore exist?

Do you really need a credit card to build your credit score ?

Millions of people in the UK don’t want or can’t get a credit card - Did you know that over 85% of UK card transactions are on debit cards?

It's not surprising, considering that credit cards can lead to overspending and come with high interest rates, in addition to being less than transparent or just inaccessible. But credit is something most people want at some point in life no matter what they are trying to achieve.

A strong credit score can have life changing impacts, especially when it comes to long-term objectives like mortgages, loans, or securing the best repayment plan for larger purchases. Despite the importance of credit, there are limited alternatives available to build it. We're here to change that.