I know, being having bad credit sucks, especially if you are a foreign student or just landed in the country. Like me, it's worse off, since I have not had credit for the past 19 years , and because I am overseas, banks do not like me. Even Santander (ABBEY National) when I have been with them for over 20+ years.
No credit, or thin credit is worse off them having poor credit. So what do I have to do to get things started:
- PROOF OF IDENTITY- Your drivers License. A Learners License (Provisional) would at least get you somewhere as proof. You will need the D1 form and ID + £34. They will need your passport # or Visa Share code. I don't trust them enough...so a trip up to Morriston Swansea is best.
- Basic Accounts etc still require ID, and it's a chicken & egg situation, thus why your first stop is to get your ID sorted.
- Voters Roll - It's to show you are legal there. And yes, a NATIONAL INSURANCE NUMBER (NINO) is needed, so you are able to work, and link your license too to it. Don't have it? Go get it yourself. Previously, we get this from the DFEE or Jobcenter, and now it's done online.