How to Improve Your Credit Rating

Make sure you are on the electoral roll as this is one of the key sources of information for credit agencies.

Before applying for any credit (loans or mortgages) check your credit file at

Do not have too many credit cards (including store cards) to reduce potential lines of credit that may be available.

Make sure you never miss any payments on credit cards or bills and keep within your overdraft limit.

When applying for credit, make sure you use a landline as this gives a greater sense of stability.