*Loan,banking and credit>>>credit score

National credit score?

I have just got my national credit score from experain. Its only 540 which is very poor.

I have only been living in the UK for a year and in this time have never defaulted or missed a payment. I have two bank accounts, a contract phone and also a virgin communications package.

All of these are paid upto date and on time so why is my score so low? and Ideas on how to improve it?

Thanks

If you are a US citizen and you are living in the UK, unless you have US based credit, none of it will report to the 3 US credit bureaus.
Bank accounts and cel phone contracts do not affect your credit score at all. They do not report.

You must have some negative items like old late payments or collection accounts to have such a low score

. To fix your US credit score, you will need credit accounts from USA companies which you may have a hard time getting.

I think that there is more to your situation than you are sharing.

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You need to take some actual credit out and make sure it's paid ontime. That way they know you are reliable. Your lack of time in the uk is a problem as well, not sure how you can overcome this.
Is anything else is on your credit report? You score is low enough that it sounds like something negative has been posted to it.

A lack of credit can also impact your score. They really like to see a revolving credit card or two on there.

Also, if you only have a one year credit history, that will lower your score.
Is that it, or are you only disclosing the positives. If you have no derogatory accounts, than I would guess that your accounts a relatively new.

Any additional details you can provide?