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Before you apply for Universal Credit, you’ll need to gather some information together. This will make sure you only have to do the application once, and will help you to get Universal Credit as quickly as possible if you’re eligible.


Basic bank accounts are easy to use accounts that have the basic features of a current account but you cannot have an overdraft or cheque book.

Need help managing your money? 

Want to make sure your rent and bills are paid in time?

Open a Budget Account with Wolverhampton City Credit Union.

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What is Universal Credit?

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If you already have a place of your own you’ll know just how much it costs to run. On top of rent and council tax, there are utilities such as gas, electricity and water.

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Never have to wait – and never pay late! Direct Debit is the easiest way for you to make sure you never miss a payment again.

Before you press 'submit' on your Universal Credit claim, you need to confirm your identity using Verify, an online identity-checking system. The Government uses this system to check that you really are you. This stops anyone else from making a claim for Universal Credit in your name.


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If you need advice or you're finding it difficult to pay your rent or other bills, there is help and support for you. 

The Refugee and Migrant Centre (RMC) are there to help asylum seekers, refugees and new migrants with a wide range of support and advice. They also offer support to the more established Black and Ethnic Minority communities.

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Wolverhampton Homes works closely with Wolverhampton City Credit Union to ensure our customers have access to savings and affordable credit. 

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