How can I improve my credit rating?
Avoid making late payments try to pay on time setting up direct debits can help you to avoid human errors in forgetting to pay a bill.
If you are declined frequently, your credit report will have tell-tale searches recorded, and no account information – lenders will assume that you have had trouble getting credit.
When you move house, contact your local Electoral Registration Officer to arrange to be put on the electoral roll right away.
Check your credit report for errors – regularly.
Remove anyone on your credit report who is not financially connected to you parents siblings or ex partners can sometimes be incorrectly linked to you and this can have a negative effect on you credit report if they have a poor financial history. Its your right to have anyone e.g. wife or current partner not financially linked to you removed from your file.
Don’t pay anyone who claims they can ‘repair’ your credit report, credit rating or claim to hide judgements. Most of the methods they use are unlawful, and can easily end up with a fraud warning on your credit report that you won’t be able to remove for a very long time.
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