No credit score, how to fix?
Hey all,
I’m not from the UK but have been living here for nearly a decade. I’ve rented for 5 years but now my husband has a mortgage and has done so for almost 4 years, just in his name.
I don’t have a credit card but have a phone I took out on finance and have never missed a payment for almost 2 years in my married name, plus had a previous handset before that in my maiden name for 2 years. I’ve paid rent in my maiden name and bills in both names and never once missed payments on any of these.
I don’t fully understand how credit scores work, they aren’t a thing as much where I’m from, but I’d have thought the phones on finance would have meant I’d have something alongside rent and bill payments but I guess I’m wrong.
I checked with clear score in both married and maiden names.
I’ve also been in consistent employment for over 2 years in my maiden name, with bits here and there before that
Would my husband adding me on to the mortgage help, and what are the steps involved in this?
Thanks for any help!