How do I build a UK credit history from zero?

Your credit history from Turkey does not transfer to the UK, so you start from zero - and a thin credit file makes phone contracts, cars and eventually mortgages harder. Build it step by step. Open a UK bank account and use it for your salary. Put household bills and a mobile phone contract in your own name and pay by direct debit, always on time - missed payments hurt you for years. If you are eligible, register on the electoral roll, which lenders use to confirm your address. After a few months, consider a credit-builder credit card: use it for small purchases and repay the full balance every month, keeping usage well below the limit. Avoid making many credit applications in a short period. Check your file free with Experian, Equifax and TransUnion and correct any errors. Expect roughly 6 to 12 months of history before mainstream lenders relax.