The first thing to do if you want to improve your credit score is get a copy of your credit report. You just need to visit the website of a credit reference agency and ask them to send your report (for a £2 fee).


Once you’ve got it, you can:

  • Check your credit report for errors
  • Ask lenders and credit reference agencies to correct their data (as long as you have evidence to support your request)
  • Make sure you’re on the electoral roll
  • Check that you’re not maxing out your credit cards. Aim to keep your balances below 50% of your limit
  • Make sure you’re keeping up to date with regular payments. Paying bills on time makes a big difference
  • Think about whether to apply for a credit-building credit card or a small short-term loan to help rebuild your score
  • See how many credit applications you’ve made recently. Credit checks leave a footprint on your credit report and it doesn ��t look good if you’ve made too many.


Your credit score is unlikely to shoot up overnight, but if you follow these steps, you should see improvements month after month.