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How To Improve Your Credit Score

There are various reasons why you should try to improve your credit score, one of the biggest being that you can get turned down when looking for rental accommodation because of bad credit.

There are numerous ways you can improve your credit score and it is worth knowing these so that you can get better deals and not get turned down when applying for properties.

Get a credit report

The first and easiest thing to do is to get a credit report. This will allow you to get a clear idea of how good your rating is. Furthermore if a mistake comes up on a report then you can correct it. Check out how to get a free credit check

Mistakes need to be corrected because otherwise you could be penalised for something that is no longer relevant. For example if you filed for bankruptcy but then got out of it this should have been removed from your report after around ten years.

Good Credit Score

However if you don’t correct a mistake this will negatively affect your credit rating. Fortunately getting a report is pretty simple- just go online and look for a site that will give you one for free!

Pay bills on time

Aside from the fact that not paying bills on time is likely to get you hit with extra charges and penalties your credit score will also be negatively affected if you don’t pay when you need to. Therefore it is important to make sure that you know when bills are due to budget accordingly.

If you are having difficulties paying bills on time then you need to discuss this with a lender as it is possible to change agreements so that you can lower the rate of repayments, freeze interest rates for a temporary period and so forth that make it easier to repay debts.

Change the credit limit

If you are always near the limit of your card then this is likely to make your credit rating worse. Therefore you may want to try talking to your bank to see if it is possible to increase the limit (although obviously be careful with this so you don’t get tempted to spend more!)

Reduce the cards

Generally a mix of loans and credit cards is best for credit card ratings. However you don’t want too many credit cards as this will often reflect badly on you and suggests you can’t control your spending, so try to keep it to one or two cards and a loan or a similar mix of credit.

Also check to make sure any cards or credit you don’t use have been cancelled. Cutting cards is not enough- you need to inform the lender!

Spread out applications

If you apply for a mobile phone contract don’t apply for a credit card afterwards. Doing a load at once is often interpreted as desperation and so it is better to only doing one or two over the course of a week (or even more spaced out if possible).


Registering to vote is an effective and free way of improving your credit score. If you stay with the same bank for a long time or have long term employment with the same company this stability also tends to reflect well on your score.

If you have a joint account and you separate from your partner check your credit score as if they have a negative rating it could affect you as well!

Be careful when searching

Comparing credit is a great way to make sure you get a good deal. However remember to make sure it is a “quotation” search rather than a “credit” search as a credit search is more likely to negate your credit rating.

Don’t take short cuts

Be wary of any companies that tell you they can improve your credit score without going into practical detail. The examples above are the best long term ways to positively affect your credit score and will give you the best results in the long term.


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