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Improving your credit score

Your score is a gateway to getting credit – whether you want a loan, mortgage, or even a mobile phone contract. A good credit rating can help you borrow more money and pay less interest.

Could you boost your score? Find out with our top four tips.

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Useful tips

What is eligibility?

Checking your eligibility rating can save you time and effort. Find out how.

Late payments and your credit score

Find out how late payments can affect your score, and how to deal with them.

What is APR?

Get to grips with APR, and how it can help you compare credit cards and certain loans.

CCJs and your credit score

Find out how a CCJ can affect your credit score, and what to do if you have one.

Image of a credit card

6 things you didn’t know about shared finances

Joint bank account? Buying a home together? Here’s what you need to know first.

Searches and credit checks

How CRAs work with companies

Being a guarantor

Want to help someone borrow money? Get the facts about being a guarantor.

Employment and your credit

Wondering if your job can affect your report – and vice versa? Get the facts here.

The road back from bankruptcy

Here’s what to expect if you’ve been made bankrupt, and how to rebuild your credit profile.

The electoral roll and your score

Registering to vote can improve your score – find out why and how to do it.

How to deal with defaults

Defaulted on your account? Find out how it may affect your score, and for how long.

Clearing debt with an IVA

Learn how an IVA works, what to expect, and how it may affect your credit rating.

DROs and your credit score

Find out what a Debt Relief Order is, how it can affect your score, and what to expect.

Managing debt with a DMP

Learn how a Debt Management Plan works, and how it can help you clear debt.

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