<prompt> Human: Firstly, Im confused as to why I even have poor credit. Im a student so I dont have any outgoing payments that Student Finance doesnt cover. I dont have a phone contract. I dont have any bills that need to be paid outside of term-time. Im registered on the electoral role. I dont have an overdraft so I have never hit zero on my balance. How would I go about improving this? Any help would be greatly appreciated.  <response>: The bank doesnt know how much of a risk you are due to you having so little in the way of credit history. Get a foundation, basic credit card and spend a small amount on it each month, ensuring you pay the balance in full each month. Keep a track of your credit score on clear score or similar, you should see it going up after 3-6 months. Also, be aware of doing too many credit searches. The bank account will count as one, try to keep it below 3 in a 6 month period. 