The United Kingdom uses a credit scoring system that is managed by three main credit reference agencies: Experian, Equifax, and TransUnion. For expats, it is important to understand that there is no single universal credit score in the UK, as each agency calculates scores differently using its own scale. Expats in the UK build credit history based on factors such as paying bills on time, being registered on the electoral roll (where eligible), holding a UK bank account, and using credit responsibly. New expats often start with little or no credit history, which can make it harder to access loans, credit cards, or even certain rental agreements. Expats in the UK can improve their credit profile by opening basic credit accounts, paying rent and utilities on time, and avoiding missed payments. Building a strong UK credit history takes time, but steady financial behaviour helps expats gain access to better financial products.