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

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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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2 июл 2024

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Комментарии : 228

@chuckberry4098 Месяц назад

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

@otienokennedy1978 2 года назад

I love the cordination in the video between you two

@myodyssey1 Год назад

You guyz did the best explanation so far

@Yummymummyspace Год назад

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

@olalekanoluwaseun643 2 года назад

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

@TochiEsther 2 года назад

Amen! Thanks so much

@nico-ng3pt 2 года назад

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

@TochiEsther 2 года назад

Thank you for watching

@anndiestephen7671 2 года назад

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

@TochiEsther 2 года назад

Thank you so much for watching

@johnokoro2424 2 года назад

Very informative..... Thank you Dozie

@VibnwithGoldie 2 года назад

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 2 года назад

Thank you for watching dear

@ebereeyichukwu1831 2 года назад

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 2 года назад

Thank you so much for watching

@ogomsseries 2 года назад

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

@TochiEsther 2 года назад

Thank you for watching

@johnmarazani 3 месяца назад

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

@lovelyrachel1843 2 года назад

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

@kcstips2384 2 года назад

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 2 года назад

Thank you for always watching dear

@nsmmathsolutions976 Год назад

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.

@SilviaM_ Год назад

Great advice,good job guys 👏

@jozzycorner 2 года назад

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

@TochiEsther 2 года назад

Yea, thank you for watching

@casmirnoel2347 2 года назад

Very insightful video. Thanks to you both!

@TochiEsther 2 года назад

Thank you for watching

@ritajames7797 2 года назад

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 2 года назад

Thank you so much

@Jessgifted1 Месяц назад

informative video! thank you

@olayemiligali3926 Год назад

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

@andiemoyo6722 2 месяца назад

So informative Tochi. Thank you

@KikiToriahReality 2 года назад

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

@TochiEsther 2 года назад

Thank you for watching

@lindamichaelstv 2 года назад

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

@TochiEsther 2 года назад

Thank you for watching

@barristerjezzdo 2 года назад

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

@TochiEsther 2 года назад

Thank you so much

@blessingiwerumor5390 5 месяцев назад

Very informative. Thank you

@funmi1233 2 года назад

This is great. Thank you both♥️

@TochiEsther 2 года назад

Thank you for watching

@dinewithnjokindungu9626 2 года назад

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

@TochiEsther 2 года назад

Thank you for watching

@NormanKasitom 2 года назад

Always great to watch you guys

@TochiEsther 2 года назад

Thank you so much

@honorinemfiekwe1028 6 месяцев назад

Thank you very much for the information

@giselasantos 2 года назад

Very informative video. Thank you!

@TochiEsther 2 года назад

Thank you for watching

@hikmatabiona 2 года назад

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 2 года назад

Yes you can! Thanks for watching

@vongtaynhanaikptt6066 2 года назад

This video was amazing . Beautiful Good bless you

@TochiEsther 2 года назад

Thank you so much for watching

@myfinancechannel2432 2 года назад

So helpful. Thank you guys 😊

@TochiEsther 2 года назад

Thank you for watching

@ChySpace 2 года назад

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

@TochiEsther 2 года назад

Thank you so much

@tastyfoodevents5322 2 года назад

Thanks for these information .

@TochiEsther 2 года назад

Thank you for watching

@chinyerenweke6462 2 года назад

Thanks for the information, you are a great couple

@TochiEsther 2 года назад

Thank you so much

@DorcasOdeleye 2 года назад

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

@TochiEsther 2 года назад

Thank you so much

@tsitsikona5870 10 месяцев назад

Thank you, very g Helpful

@chinyereonoh9751 9 месяцев назад

Insightful👍

@VivianOseni 2 года назад

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.

@ntitiramajake4738 2 года назад

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.

@chinsokamusona542 Год назад

Very good information

@johnmarazani 3 месяца назад

Thanks mem on that question you raised on partners

@truemamle6184 2 года назад

Great and helpful information

@TochiEsther 2 года назад

Thank you for watching

@Ujulinnspace 2 года назад

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

@TochiEsther 2 года назад

Thank you so much dear

@violaedeh6045 2 года назад

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 2 года назад

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

@tarijumbo-ahiamadu1683 2 года назад

Useful info. Great job

@emekaonyeasor1134 Месяц назад

Tochi thank. Lovely family 🎉

@mandyfrizz 2 года назад

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

@TochiEsther 2 года назад

Awww, thank you so much

@TochiEsther 2 года назад

Awww, thank you so much

@stephenoladoja7061 Год назад

Thanks!

@omozeleolotu6583 Год назад

Weldone maam. This is very helpful

@earthvarieties 2 года назад

Wow lovely thanks for sharing

@TochiEsther 2 года назад

Thank you for watching

@mirrball7671 Год назад

Thanks for sharing

@TochiEsther Год назад

My pleasure

@Nwuha 2 месяца назад

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

@sisiadebanke5007 2 года назад

This Video is 👌🏽👌🏽👌🏽👌🏽👌🏽👌🏽

@tonyjoe8591 6 месяцев назад

The best content creator m

@Naijamuminaustralia 2 года назад

Grest content as usual weldone

@TochiEsther 2 года назад

Thank you for watching

@ijeomamadu 2 года назад

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

@samuelmbongo6831 2 года назад

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 2 года назад

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 2 года назад

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

@khadijahadebayo 2 года назад

Thank you so much Guys 💓

@oluomachiajuzieogu2986 2 года назад

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 2 года назад

Awww, thank you so much. Regards to your sister

@momoftriplets4392 2 года назад

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

@TochiEsther 2 года назад

Thank you so much sis

@selinapena3276 2 года назад

Nice content

@TochiEsther 2 года назад

Thank you for watching

@BFASHWORLD 2 года назад

Very informative and well detailed, learnt alot👌

@TochiEsther 2 года назад

Thank you so much dear

@beloveajibikeokonkwo3614 2 года назад

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

@yourtastelifestyle1827 2 года назад

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 2 года назад

Thank you so much dear

@chiomaonuoha7723 2 года назад

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?

@FajirasConcept 2 года назад

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

@TochiEsther 2 года назад

Very true. Thank you for watching

@olajideoluwaniyi7920 Год назад

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

@opeyemiadeyemi3387 2 года назад

Thank you

@TochiEsther 2 года назад

You are welcome

@VivianOseni 2 года назад

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 2 года назад

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)

@lorez7395 2 года назад

I have being enlightened

@TochiEsther 2 года назад

Thank you for watching

@chiomaanyaegbu3151 Год назад

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

@victoradedokun5878 2 года назад

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!

@winslipmunsanje6782 2 года назад

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

@Ellasfam1 2 года назад

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 2 года назад

It will definitely work. Thank you for watching

@awodeleopeyemi8538 Год назад

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 Год назад

I am also interested in the answer to this question

@kwansimadear3926 24 дня назад

God bless you

@user-ep7de4nb5m Год назад

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

@Menezy1 9 месяцев назад

You can use any bank

@ademolaadelekan8400 Год назад

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

@TochiEsther Год назад

Not at all

@rosykech 2 года назад

Basically, A good credit score saves you money. Very important because because some people might become reckless with money because they can get things on credit. Discipline is very important 👏🏽👏🏽 Hey precious Special Guest.. Welcome 🥰

@TochiEsther 2 года назад

Thank you so much for watching. Discipline is very important

@uchesamuel961 2 года назад

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.

@honorinemfiekwe1028 6 месяцев назад

Waoh nice

@temitopeadegbesan684 Год назад

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

@favourite2007 Год назад

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?

@growwithamari6253 2 года назад

I now sit on your page. Hahahaha... nice one.

@TochiEsther 2 года назад

Awww, thank you so much

@adejokeagboola1632 Год назад

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 Год назад

Kindly check the description for ways to reach me

@adaezetagbo4298 2 года назад

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?

@reginaldigweike4002 Месяц назад

Congratulations on your first house, I am a British citizen, with over 18years living in the UK, working and paying my taxes, i still haven't bought my first house which i have been saving for the best part of 10 years, i don't particularly have a good credit score, average i would say, but that shouldn't prevent me from getting a mortgage considering the amount of financial transactions I have made whilst living in the UK. I feel it's very unfair that Mortgages are given to visa holders who haven't been in the country that long, yet British citizens are been denied mortgages because of an average score. Let me know your take on this.

@CoachAdaobiSandra 2 года назад

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 2 года назад

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

@emakimberly6541 2 года назад

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

@oluwaseunomogbehin6747 Год назад

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 Год назад

Yes, we use their card

@oluwaseunomogbehin6747 Год назад

@@TochiEsther thank you for your response

@graceolufunmi7813 Год назад

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

@nnamdinwochi5100 5 месяцев назад

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

@liquidglacial8193 Год назад

Good 👍 content..........please can a 20k+ salary earner per year get a mortgage?????

@chijinduonyenkwere7013 2 года назад

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..

@dimmaevelyn 2 года назад

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

@graceidzi6444 2 года назад

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

@myfoodforall6102 2 года назад

Lovely ❤ ❤ ❤ ❤ ❤

@TochiEsther 2 года назад

Thank you so much

@Hybeekay99 2 года назад

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