Library · Finance

Build your credit score

A ready-made journey for anyone who wants to build your credit score: 7 steps, about 3 hours in all, in an order that works — work steps of 30 minutes or less, with real-world sessions kept whole.

Opens in Nextep with a two-minute first step lit. Free, and no account needed to begin.

When it's useful

When you have decided to build your credit score but the first move is fuzzy. Nextep shows one step at a time, keeps the rest in order, and never calls anything overdue — a day that slips simply becomes today.

The steps

1. 1Pull your credit report from each bureau30 min
2. 2Fix anything wrong on it45 min
3. 3Register on the electoral roll or equivalent20 min
4. 4Set every bill to pay automatically on time30 min
5. 5Keep utilisation well under the limit20 min
6. 6Avoid new applications for six months15 min
7. 7Recheck the score in three months20 min

Work steps over 30 minutes are split into parts when you start, so they fit somewhere in a day; sessions — a run, an appointment, a call — stay whole.