How To Build Your Credit Score In The Uk / Why Our First Mortgage Was Rejected And How We Fixed It

How To Build Your Credit Score In The Uk/ Why Our First Mortgage Was Rejected And How We Fixed It
0:00 Intro
1:45 What is credit score
4:35 Why is credit score important
7:34 Our rejection due to bad credit history
8:20 What's the relationship between credit card and credit score
10:50 How to avoid paying interest on credit Card and best way to use credit card
13:10 What can I buy with my credit card and how to apply for credit card
16:00 Can I pay my bills with my credit card
16:55 What other things can you do to improve your credit score asides credit card
23:12 Do both partners need to build their credit score?
24:21 Why our first mortgage application was denied
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[@chuckberry4098]

Thank you for this lovely video❤! You are now both my ‘adopted’ grandchildren, who have dedicated yourselves to help millions of people.

[@otienokennedy1978]

I love the cordination in the video between you two

[@myodyssey1]

You guyz did the best explanation so far

[@VivianOseni]

90% of people live on credit in the UK Use a credit card but buy things u need like grocery and always pay back to avoid a debt trap which people get caught up in.

[@ogomsseries]

Thanks for sharing this well detailed information,will be so helpful to anyone coming over there.

[@TochiEsther]

Thank you for watching

[@anndiestephen7671]

You both are amazing. Thank you for sharing your homeowning journey, its so helpful and inspiring.

[@TochiEsther]

Thank you so much for watching

[@VibnwithGoldie]

This video is packed with so much useful information. The questions you asked and the way the answers were given, even the way it was explained. Mehn! I’m so glad I found your channel. Thank you so much.

[@TochiEsther]

Thank you for watching dear

[@kcstips2384]

This video is packed with vital info. I have learnt a lot from your videos and still learning. Thank you for always sharing this important info with us❤️❤️

[@TochiEsther]

Thank you for always watching dear

[@ebereeyichukwu1831]

you both are just wonderful. thank you for the enlightenment, as this is a very important topic for every U.k resident to consider

[@TochiEsther]

Thank you so much for watching

[@jozzycorner]

Very important information out people keep deceiving us about credit card but hearing this from you is good and it was well explained

[@TochiEsther]

Yea, thank you for watching

[@olayemiligali3926]

See this great fam. You guys are doing a good job. Regards to the young man. Well-done guys

[@Yummymummyspace]

Thank you so much for educating us once again your family is amazing

[@ritajames7797]

Very pleased to see that you have chosen to make your home here in the UK. This was an interesting topic. God bless you and your family.

[@TochiEsther]

Thank you so much

[@nsmmathsolutions976]

Great tips, I believe THIS Good credit score will be the key to a mortgage probably in almost any country. Thank you for the advice.

[@olalekanoluwaseun643]

Thank you so much...I love this family! God bless you

[@TochiEsther]

Amen! Thanks so much

[@nico-ng3pt]

Thank you for sharing your personal experiences. That was Great.

[@TochiEsther]

Thank you for watching

[@casmirnoel2347]

Very insightful video. Thanks to you both!

[@TochiEsther]

Thank you for watching

[@johnmarazani]

I like the way you tuckled this one of building credit score

[@lovelyrachel1843]

Some times in life failure is amust in order to knw exactly what to fix ,that was agreat experience for you guys congrats

[@ChySpace]

This is a very helpful details on how to build credit score and manage credit cards. Our special guest is so lovely.

[@TochiEsther]

Thank you so much

[@SilviaM_]

Great advice,good job guys 👏

[@Ujulinnspace]

Tochi dear! Your videos are always loaded with lots information ❤️❤️ you are indeed sharing a lot here! Very useful ❤️

[@TochiEsther]

Thank you so much dear

[@johnokoro2424]

Very informative..... Thank you Dozie

[@lindamichaelstv]

Very educative, informative and helpful , thanks guys for sharing.

[@TochiEsther]

Thank you for watching

[@KikiToriahReality]

This video is very informative and thanks for sharing your personal experiences with us.

[@TochiEsther]

Thank you for watching

[@hikmatabiona]

Wow, I was wondering if it was possible not to pay interest on the credit card. There is a lot of information in this video. Thank you for this information.

[@TochiEsther]

Yes you can! Thanks for watching

[@barristerjezzdo]

A lovely "little man" you have there. Thanks for the video.

[@TochiEsther]

Thank you so much

[@andiemoyo6722]

So informative Tochi. Thank you

[@NormanKasitom]

Always great to watch you guys

[@TochiEsther]

Thank you so much

[@vongtaynhanaikptt6066]

This video was amazing . Beautiful Good bless you

[@TochiEsther]

Thank you so much for watching

[@funmi1233]

This is great. Thank you both♥️

[@TochiEsther]

Thank you for watching

[@violaedeh6045]

Thank you so much sis . This video is packed . you both have pushed and silently taught anyone that wants to make the most out their stay in UK that it is possible ( that's if we read in between the lines in each video) . I have a new note now and drawn long term plan based on informations gotten from you both. May God bless you and keep you. May your home be filled with continous light and joy. And by the way, I have adopted you both as mentors ooo😍😍. Thank you again

[@TochiEsther]

Awww, this is so sweet. I’m glad you got something from the video, God bless you

[@tarijumbo-ahiamadu1683]

Useful info. Great job

[@giselasantos]

Very informative video. Thank you!

[@TochiEsther]

Thank you for watching

[@ntitiramajake4738]

Good information and helpful indeed. I am just trying to get the link where you discussed things to do immediately when you arrive in the UK. It was featured when you talked about national insurance number from your BRP.

[@dinewithnjokindungu9626]

Thank you so much for sharing. This is very informative.

[@TochiEsther]

Thank you for watching

[@Jessgifted1]

informative video! thank you

[@myfinancechannel2432]

So helpful. Thank you guys 😊

[@TochiEsther]

Thank you for watching

[@DorcasOdeleye]

Very educational, I've really learnt a lot👏👏

[@TochiEsther]

Thank you so much

[@blessingiwerumor5390]

Very informative. Thank you

[@Nwuha]

Thank you Dozie and Tochi. You're splendid and amazing as a couple. I love your courage and audacity. What if between a couple one doesn't have a job yet. How could this impact on both credit score and credit card? Expecting your response please. Kudos. Thank you

[@mandyfrizz]

This video is really enjoyable to listen too , your husband just made this credit score topic really detailed with his explanations

[@TochiEsther]

Awww, thank you so much

[@TochiEsther]

Awww, thank you so much

[@chinyerenweke6462]

Thanks for the information, you are a great couple

[@TochiEsther]

Thank you so much

[@tastyfoodevents5322]

Thanks for these information .

[@TochiEsther]

Thank you for watching

[@samuelmbongo6831]

Hi Tochi thanks for the information. Your videos are always amazing. Please can you make a video on Secrets of Working in The UK - What you Should Know about Working in Uk,Work Culture. Thanks 🙏🏽

[@TochiEsther]

Ok, I’ll consider it. Though I already have a video on things I’ve learnt working in the uk, you can check it out

[@samuelmbongo6831]

@@TochiEsther alright Tochi thanks I think I have gone through that video already.

[@momoftriplets4392]

I need to score my credit oh😁 congratulations sis your channel is vomming so well. More grace

[@TochiEsther]

Thank you so much sis

[@honorinemfiekwe1028]

Thank you very much for the information

[@truemamle6184]

Great and helpful information

[@TochiEsther]

Thank you for watching

[@oluomachiajuzieogu2986]

Thanks a lot for this video sis (my sister's name sake😁) At least you answered my question regarding having credit card as a student. Thank you so much🙏 my love to your son... He's so cute😘

[@TochiEsther]

Awww, thank you so much. Regards to your sister

[@johnmarazani]

Thanks mem on that question you raised on partners

[@tsitsikona5870]

Thank you, very g Helpful

[@chinsokamusona542]

Very good information

[@chinyereonoh9751]

Insightful👍

[@chiomaonuoha7723]

Thanks for the information. You mentioned high interest credit cards. Can you give an example of where to apply for such and is there a risk of denial for it if one's score is fair and will this denial involve a hard search which will further affect credit score? Also is there a need to wait 3mths after a bank credit card denial to apply for this particular type of credit card?

[@emekaonyeasor1134]

Tochi thank. Lovely family 🎉

[@ijeomamadu]

Chai, u and ur hubby a such a great force. Jidenu nke unu ji ❤️

[@Naijamuminaustralia]

Grest content as usual weldone

[@TochiEsther]

Thank you for watching

[@yourtastelifestyle1827]

Financial discipline should be a course o because that’s where most of us fail it. Thanks for this video, you did put in a lot of effort to be honest and it is showing now, well done you two👏

[@TochiEsther]

Thank you so much dear

[@beloveajibikeokonkwo3614]

Thank you so much for these series of videos. How do I know my credit score?

[@victoradedokun5878]

Thanks for this video Tochi. So where and how does one apply for a credit card? I think I need one right now. Directly with Experian? or where? Thanks!

[@omozeleolotu6583]

Weldone maam. This is very helpful

[@earthvarieties]

Wow lovely thanks for sharing

[@TochiEsther]

Thank you for watching

[@stephenoladoja7061]

Thanks!

[@mirrball7671]

Thanks for sharing

[@TochiEsther]

My pleasure

[@tonyjoe8591]

The best content creator m

[@khadijahadebayo]

Thank you so much Guys 💓

[@BFASHWORLD]

Very informative and well detailed, learnt alot👌

[@TochiEsther]

Thank you so much dear

[@sisiadebanke5007]

This Video is 👌🏽👌🏽👌🏽👌🏽👌🏽👌🏽

[@selinapena3276]

Nice content

[@TochiEsther]

Thank you for watching

[@chiomaanyaegbu3151]

Thank you for the information. Pls my questions is direct debts on accounts like Monzo or Revolut count to credit score.

[@FajirasConcept]

Indeed you need a good credit score for lenders to lend you . Credit card is good 👍🏻 thanks to hubby for this detailed information.

[@TochiEsther]

Very true. Thank you for watching

[@olajideoluwaniyi7920]

Thanks for these financial information. The Young man is your photocopy Tochi. God bless Him richly.

[@awodeleopeyemi8538]

Thank you so much for this informative video. Please what credit card companies would you recommend for a new comer to apply to get a credit card from? Thank you!

[@temitayoomosalewa3835]

I am also interested in the answer to this question

[@winslipmunsanje6782]

Is the mortgage on both of you or just your husband? Any advise on which cities have low mortgage? Otherwise thanks for the video, I have learned a lot God give you more grace of wisdom

[@VivianOseni]

Been persistent and researching helps to get a mortgage, even when you have short falls in credit history, it only means u may get higher interest rates but with a good history , you get favourable competitive market interest rates in your mortgage.

[@meyou6036]

Very Informative, Credit Patch-Up LLC Tradelines changed my life. By getting more tradelines, I was able to improve my use of credit ratio without having to do anything. This motivated me to get my negatives off, make sure all of my bills re on auto-pay, and brought my credit up from mid 5s to +780. I highly recommend you work with them if you looking to clear off all debts and get your credit fixed, because they most certainly work for you.(CONTACT@CREDITPATCHU. COM)

[@user-ep7de4nb5m]

Thank you for this very informative session. Please concerning setting direct debit, does the bank matters, eg using Revolut bank? Thank you

[@Menezy1]

You can use any bank

[@lorez7395]

I have being enlightened

[@TochiEsther]

Thank you for watching

[@opeyemiadeyemi3387]

Thank you

[@TochiEsther]

You are welcome

[@ademolaadelekan8400]

Thank you for your wonderful video. I'd like to know if one of you was a student when you got your house.

[@TochiEsther]

Not at all

[@Ellasfam1]

Nice video very informative when we tried getting we did not get because I was told my husband was a student and we did not even no About credit card 💳 but building it now will try again hopefully it will work ..thanks for sharing

[@TochiEsther]

It will definitely work. Thank you for watching

[@emakimberly6541]

How did you get a credit card immediately after entering the country though because most banks I know will not give you one that quickly

[@graceolufunmi7813]

Good job Tochi. I was trying to get a credit card ibut denied. I was told am not eligible probably because i haven't spent upto 3 years and i want to start building my credit score immediately . What do you think i can do to get a credit card easily. Thanks

[@adaezetagbo4298]

How do you mean closing your credit account? Is it by paying off your debt, it means you are closing out the account? Does it mean you can’t apply for a mortgage as a single person?

[@Hybeekay99]

My family just moved to the uk about 2 weeks ago. We are yet to get a job. We already have a mono account. Do you feel it's okay to get a credit card now when we are still job hunting

[@titoc6792]

Can a couple with a joint account build credit score on the account..as in together. Or it's better to get it done on individual accounts?

[@uchesamuel961]

Thank you very much, this is so helpful, can someone that wants to come for her post graduate studies get a house of her own? Following all this steps.

[@dimmaevelyn]

Please what of couple with joint account, can they use it to set up direct debit

[@CoachAdaobiSandra]

Hey sis, I live already in Austria, how can I apply to this healthcare program? I’m very much interested. Thanks for sharing this information.

[@TochiEsther]

Kindly check the description of the healthcare video for links to apply

[@temitopeadegbesan684]

Pls can u do a video of what type of bank credit card can one apply to.

[@kwansimadear3926]

God bless you

[@teishajohn4478]

I was told I must have a uk address for 3 years before I can buy an appliance on credit from a particular store. How can I build my credit score if I'm not in the uk for 3 years. I would like to credit a phone to start building my credit score.

[@chijinduonyenkwere7013]

Hello Tochi, thank you for your very informative video. I was wondering how you can build you credit to be able to get your first credit e.g mobile phone contract. I am a student and I came in in August 2021. I am on voter’s list, I ‘ve NI, I have a direct debit from my school leaving my account, I checked today and my credit score is 515/700. It just went up 5points from last month..

[@joycemarfo7086]

Do you have to be a permanent citizen before you can save towards your house? Can a student save for ISA account?

[@nnamdinwochi5100]

thanks for this video, you mentioned that if i applied and was rejected, then i should hold on a bit before another application. What if I checked eligibility and wasnt eligible, can i check again or still hold on. thanks

[@adejokeagboola1632]

HI Tochi, thanks so much for these packages, I personally appreciate it, God bless you. I have an issue I want you to please shed light on. I don't know how I can get in touch.

[@TochiEsther]

Kindly check the description for ways to reach me

[@graceidzi6444]

Thank you for the video. Do I need to continue contributing to my lifetime ISA account even after I've bought my first home? Or I can opt out of the savings or can I just deposit less than the required £4000

[@oluwaseunomogbehin6747]

Hello Tochi, thank you for this information about credit score and all.. please I will like to ask if you have heard about Ocean Credit card or aware of how good they are ?

[@TochiEsther]

Yes, we use their card

[@oluwaseunomogbehin6747]

@@TochiEsther thank you for your response

[@adeoor]

If am staying in a house thats bills inclusive, however if I arranged direct debit with my house rent does it count to my credit score as well

[@favourite2007]

Thanks so much for this video. It's an eye opener. The visitor is cute.....😘 . Please can someone pay his or her house rent to a private landlord with credit card?

[@TotallyNotMay910]

Please any advice on joint account? Is it advisable?

[@honorinemfiekwe1028]

Waoh nice