A good credit history helps to get lenders to say yes to your application. That’s why it’s useful to know what things can affect your credit rating – and how you can improve it.
So whether you’ve recently been turned down for credit or just want to apply in the future – take a look at some of the ways you could help improve your credit score.
If you've not tried our Credit Builder tool yet, have a go and get simple tips that could help give your rating a boost.
Credit reference agencies like to see people spending on cards regularly so long as they manage their account responsibly. Making your payments on time each month can be a big help in building a better credit rating. But watch out, going rogue and missing payments or exceeding your limit could put lenders off giving you credit.
If you don’t already have a credit card, or are looking to apply for one in the future, there are still plenty of important things you can do to help improve your credit score.