Simple Tips to Improve Your Credit Score

1. Register on the electoral roll

Lenders use the electoral roll to confirm your identity. If you’re not registered to vote, it could negatively affect your credit file. It’s quick to do and can give your score a small boost.

2. Check your credit report for errors

Credit reports can contain mistakes — like incorrect addresses, old accounts, or wrongly recorded missed payments. Get a free report from Experian, Equifax or TransUnion and report any issues you find.

3. Keep your credit usage low

Try to use less than 30% of your total credit limit. For example, if your card limit is £1,000, aim to use £300 or less. This shows lenders that you’re managing your credit sensibly.

4. Always pay bills on time

Late payments can lower your credit score and stay on your report for years. Set up direct debits or reminders to make sure you pay your credit cards, loans, and even mobile bills on time.

5. Avoid new credit applications

Each time you apply for credit, a hard search appears on your file. Too many in a short time can make you look risky to lenders. Avoid taking out new credit before applying for a mortgage.

6. Keep old accounts open

Long-standing credit accounts help show a stable credit history. Unless there’s a fee, consider keeping older, well-managed accounts open rather than closing them. Keeping £50 on your credit card can help improve your score, just remember to pay off in time each month.

Final tip:

Improving your credit score isn’t about quick fixes — but these steps can help you make real progress over time and improve your chances of mortgage approval.