Credit Score

Building your credit

Your credit score could affect your life in all sorts of ways

Whether you’re looking to get on the property ladder or simply applying for a loan, your credit score matters. The better your score is, the more helpful it could be with future plans. But there are a lot of myths out there – particularly around what it takes to improve it.

Discover how to sort the fact from the fiction and keep your score moving in the right direction.

Work on your credit score

Answer a few quick questions in our Credit Builder tool and we’ll give you some simple, personalised tips to help improve and keep your credit rating in good shape.

Bust the myths about credit

Make sure you’re aware of these common misconceptions about your credit rating and learn what you could be doing instead.

Understanding your credit rating

There’s a lot to know about your rating and the ways it works. Here’s how it’s calculated, who gets to see it, and why it’s different to your credit score.

Boost your credit rating

You might be surprised at how easy it could be – simply signing up to vote and checking your credit report regularly can be helpful. But there’s much more you can do.

How your credit score is calculated

Find out what’s used by the credit reference agencies to work out your score.

Avoid a bad credit rating

Learn how to steer clear of financial pitfalls that could impact your credit rating and get in the way of future plans.

New to credit

If you’re a credit first-timer, here’s a great place to start understanding how credit works.

Know how to check your score

Find out where you can check your credit score and make sure it’s all in order.

More ways to Get Credit Confident

Head back to the Get Credit Confident hub for more tips and hints on shopping safely, planning ahead and managing your card.