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How to build credit history without a credit card

Building up a credit history is not always easy. And, whilst the conventional method would have been to take out a credit card many of the younger generation don’t have or don’t want a credit card.

There are however other forms of finance available. Whilst it might be harder to gain access to good loans or finance deals it is possible to start with products from high street retailers that are offering 0% finance on consumer goods over a certain value.

There tend to be less strict lending requirements for these sort of loans and if you ensure to make the repayments on time this information will have a positive impact on your credit file.

There are a number of other ways that you can improve your credit rating without a credit card which you can see here:

You can also…

Check your credit rating.

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