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For many UK households, improving a credit score can feel like a mystery. But one of the most effective ways to boost your creditworthiness is simple: pay your bills smartly and securely.
Paying bills or tax by direct debit or from your bank account keeps things simple, but it doesn’t help improve your credit profile. By using Bluechain, you can demonstrate responsible credit usage, while also earning cashback and rewards.
5 Ways to Build Credit With Bluechain
- Pay any regular household bills with a credit card: Energy, rent, HMRC, insurance, and childcare, with your Visa or Mastercard
- Schedule bills in advance: Avoid missed payments, which can negatively impact your credit score
- Bluechain ensures suppliers get paid: We pay them via bank transfer, while you get all the benefits of paying by card
- Set up a direct debit: Repay your card balance in full each month, avoiding interest
- Track your spending: Bluechain’s dashboard helps you stay in control
By paying bills through Bluechain (even when they don't accept cards), lenders see consistent, responsible use of credit. Over time, this can mean:
- Better access to mortgages
- Lower interest rates on loans
- Higher credit limits
FAQs
Does paying bills with a credit card help my credit score?
Yes. Using a credit card responsibly, keeping utilisation low and paying off balances, builds your profile.
Can I pay rent and council tax by card in the UK?
Not usually, but Bluechain enables you to do this securely.
How long does it take to see credit score improvements?
It varies, but consistent positive credit behaviour typically shows results within 3–6 months.
How Bluechain Works
- Sign up to create your free Bluechain account
- Add your bills manually, or connect to Xero or Sage to pull them in automatically
- Choose how and when to pay
That’s it. We’ll charge your chosen Visa or Mastercard on the date you select, and your supplier will receive the payment by bank transfer within two working days.
