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How can I improve my credit score if I am not paying bills or rent?
So you work, and give a small irregular amount to you parents.  You live with very low expenses.  Assuming you make a bit below the average salary in the UK, you should be able to save around £1000.  If you found a part time job could you save double?  I bet you could. So why do you need credit?  Why do you need a credit score? Having poor or no credit can be remedied by having a large down payment.  Essentially the bank asks, if this person could afford the payment of this loan why have they not been saving the money?  You could save the money and either buy the thing(s) you desire with cash (the smartest), or put 50% down.  Putting 50% or more down turns you into a good credit risk despite having no credit history.   In case you missed it:  why not just save the money and buy it for cash?  Why have compounding interest working against you?  Why do you want to work for the bank? Making the interest payments on loans in order to build a credit score is just silly.  It is an instance of a "tail wagging the dog".