Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
Building your credit score could help you to access credit when you need it in future.
Below we’ve listed some of the things you could do to improve your credit score over time.
It could suggest you’re reliant on credit if you carry a lot of debt and are often close to your credit limits.
Making regular payments by Direct Debit could also help to improve your credit score. Just make sure there’s money in your account to cover payments, or your credit score could be damaged, rather than improved. Using and managing an arranged overdraft carefully could also help to improve your credit score over time.
Things like bank accounts, mortgages and even utility bills may create a financial link between you and any joint account holders. This may impact your future credit eligibility if the joint account holder doesn’t have a good credit score.
People you’re linked to financially will show on your credit record. If you’re no longer linked to someone, you could contact each credit reference agency to submit a notice of disassociation.