How to build a credit score as an international student in the UK
Start small, build strong: your UK credit journey made simple. Think of your credit score as your financial CV, and you can start writing it from day one.
What a UK credit score actually is (and isn’t)
The UK doesn’t have one single, official score. Lenders look at your credit file and run their own assessments using data from three credit reference agencies (CRAs): Equifax, Experian and TransUnion. Each CRA holds slightly different information and uses different scales, so your “number” can vary between them. What lenders care about most is your history of paying on time and using credit responsibly.(Source: ICO)
Why this matters for students
Good credit makes it easier to pass rental checks, set up monthly contracts like SIM-only plans, and, later, access borrowing such as credit cards or personal loans at more competitive terms. Building this track record while you study puts you in a stronger position when you graduate.
First steps that count from week one
1) Open a UK bank account
A UK current account anchors your financial footprint. It helps you prove your address, set up direct debits, and keep university finances tidy. If you’re new to credit or find standard accounts tricky to open, ask about a basic bank account. These free accounts let you receive money and pay bills, with no overdraft. They’re designed for people who need a straightforward start.
Set it up well:
Use your term-time address consistently on applications and bills.
Turn on direct debits for regular payments so they’re paid on time, automatically.
2) Put essential bills in your name
Mobile phone contracts and some utilities can appear on your credit file. On-time payments help you build a positive pattern. If you’re not ready for a handset contract, a SIM-only deal is a lower-risk way to show reliability. Missed or late payments, however, can harm your record.
Tip: If you prefer to avoid a credit check altogether, consider a prepaid SIM plan. You won’t build credit with it, but you won’t risk marks from a rejected application either.
3) Take a student loan and build credit through on-time repayments
A well-managed education loan can help you establish a UK credit history. If you borrow from a responsible lender such as Prodigy Finance, and your repayments are reported to UK credit reference agencies, paying on time can contribute positively to your credit profile over time.
Set up a direct debit, keep to your schedule, and avoid missed payments. Consistent, on-time repayment is one of the strongest signals for building a healthy UK credit record.
4) Start with simple, consistent payments
Council tax: Most full-time students are exempt, but if you share with non-students, you might see a partial bill. Ensure the council knows your status so you don’t get an unnecessary charge or default on an account that shouldn’t apply to you. (Source: GOV.UK)
Rent: Regular rent payments don’t always reach your credit file automatically. Some landlords and agents report them, and schemes exist to add rent to your history. If your accommodation offers a rent-reporting service, opting in can help you evidence reliability.
Smart ways to build history, even with a “thin file”
Try a student or entry-level credit card (carefully)
Used well, a low-limit card can be a strong credit-building tool. Spend a small amount each month, keep your utilisation low (aim under 30% of your limit), and pay the statement balance in full and on time. Set up a direct debit so you never miss a payment. Before you apply, use “soft-search” eligibility checkers — they let you see your chances without affecting your score. (Source: Investopedia)
Add positive data where you can
Some services can reflect regular payments (like rent or utilities) in your credit data if you opt in. Impact varies by lender and model, but for students with limited history, every accurate, on-time datapoint helps your overall profile.
Keep applications spaced out
Every hard search leaves a temporary footprint. One or two is normal, but several in a short period can signal risk. Check eligibility first, then apply for one product you’re likely to get.
How to check your credit report (for free)
Checking your own report is free and doesn’t affect your score. Review all three CRAs over time so you catch errors and see what lenders could be viewing. If you spot a mistake, raise a dispute with the CRA and the organisation that reported it. (Source: MaPS)
What to look for:
Your name, date of birth and addresses are correct and consistent.
Old addresses are closed off with no active accounts attached.
Payments are shown on time.
There are no unfamiliar accounts or searches (which could indicate fraud).
Everyday habits that quietly raise your score
Pay everything on time. Direct debits are your friend. A single late payment can linger on your file for years.
Keep balances low. If you use a card, try to keep spending well below your limit and clear it monthly. Investopedia
Avoid joint credit unless you mean it. Shared accounts link your files to someone else’s credit history.
Stay put where possible. Stability in address and banking looks good to many lenders.
Protect your identity. Shred sensitive mail, use strong passwords and track your reports to catch issues early.
How an education loan can support a healthier UK credit profile
If you need financing for your postgraduate studies, a responsible education loan can fit into a credit-building plan when managed well. With Prodigy Finance, eligible international students can apply online for a loan designed for studying abroad. There’s no collateral or co-signer required, and repayments begin after your grace period (depending on your loan terms), which means you can focus on your studies first. When we send the funds to your school, it also simplifies your admin and helps you avoid missed tuition deadlines showing up elsewhere in your finances.
Used well, the loan adds a major, structured account to your credit history, and on-time payments after your grace period can help build a positive UK track record over time.
Read more: The credit score-interest rate connection: how a good score can save you thousands on student loans
See how a Prodigy Finance loan can help you start your UK credit journey on the right foot
Start with a quick, online eligibility check. You’ll see a personalised, provisional quote without affecting your credit score and you can keep building that track record from your first term.
