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My Top 15 tips on how to improve your credit score (even if you have a healthy bank balance)

But first why bother? Why would you want to increase your credit score? Well for a lot of people the availability of credit is important. It helps buy homes, buy cars to help your family travel and in lots of cases provide a way to earn money or points whilst spending via credit cards. I’m not advocating having loads of credit but if you need to apply for credit, having a strong credit score is important.

If you’ve ever been declined for credit it’s pretty embarrassing! So reading this will help you improve your credit score and increase your confidence with what to do and when.

Your Credit Score Explained

How does a credit score work?

The interesting thing is that each company calculates your credit score differently. This is based on how much risk they are prepared to accept and how much profit they can make from you! They will look at your credit history based on their own analysis and give you a score. So the better your credit score, the more likely you are to get accepted and also for some products like unsecured loans, get preferential interest rates and terms. This is because a credit score is like predicting the future. How likely you are to repay the amount borrowed. A high credit score would indicate you are a ‘safe bet.’

How is your credit score calculated?

It’s a combination of a few different things:

  • What’s on your credit file
  • Your credit history with the company you’re applying to
  • What’s on the application form

Your credit score also takes into account things like:

  • The amount of existing credit available, how much of your credit you’re using
  • Your payment history,
  • How you use your bank account
  • Your payment history for utility bills.

Lenders use credit reports to confirm whether you are likely to repay the debt so don’t owe more than you can already afford to repay. Each item on your credit file and application form is given a value and then your credit score is calculated. The higher your score, the better the chance you will be accepted.

A great credit score will in turn put money in your back pocket.

pin with credit cards in denim jeans pocket 'a great credit score will in turn, put money into your back pocket'

What is my credit score?

Find out what your current credit rating actually is. There are a number of companies you can use to do this. Most either offer a free trial or give access free of charge.

Experian.co.uk

Clearscore.com

Noddle.co.uk

Checkmyfile.com

My favourite are Money Saving Expert Creditclub and Clearscore. They are both 100% Free and provide you with some fabulous tips to get your credit score looking fit and healthy.

Money Saving Credit Club

According to the Money Saving Expert Credit Club, mine is looking pretty healthy right now. But if I wanted to apply for a remortgage to review my mortgage rates or change my credit card provider it tells me instantly my chances of who is likely (no guarantee) to say yes! I also completed a mini ‘wallet workout’ with a computer bot and after answering a few simple questions in under 30 seconds, it recommended to me that an AMEX Platinum everyday credit card would be a good choice for me and I had a 95% chance of being accepted. I am not looking at applying for a new card right now not what a nifty tool from Martin Lewis’ team! It is run in association with Experian.

screenshot of credit club by moneysavingexpert.com showing credit dashboard, Experian credit score and moneysavirngexpert affordability score

Clearscore

Clearscore for me is another really simple way to check the healthiness of your credit rating. It is powered by Equifax, although are shortly to be acquired by Experian. Firstly, it has an app which I love because I live by my iPhone! It was easy to enter my personal details and seemed very personal. It gives me an overview of:

  • Average credit score in my area
  • My own personal score
  • The UK average

I can see month by month, what has changed on my credit file (Which is great to help prevent fraud) and gives me a list of things I am doing well and things to work on!

It has a nifty ‘To do List” with some simple personalised bite sized tasks to complete with links to some great articles to read to improve my score.

Why you should keep an eye on your credit rating?

To my surprise, it highlighted to me a few accounts I had forgotten about! I opened a Santander current account in 2001 and it was sitting there with no money and no activity. I don’t like to keep dormant current accounts open so I contacted Santander (it gave me which previous address it was stored under and the last few digits of the account number).

clearscore website and app shown on iPhone, Samsung, iPad and Apple Watch

Top tips to improve your score!

Get registered on the voters roll

Lenders check the electoral roll for evidence of fraud by making sure you live where you say you do. If you’re not eligible to vote in the UK sending the 3 main credit reference agencies (Experian, Equifax and Call Credit) certified copies of your proof of residency and ask them to put a note on your file.

Make monthly payments on time…

…even if it’s the minimum payment!

Pay bills by direct debit

In order to ensure you pay in time each month consider setting up automated payments. Missed late payments stay on your credit file for up to 6 years. If the late payment was beyond your control (direct debit wasn’t set up in time) as long as the payment is made promptly and you contact the provider, your credit file can be updated.

Check who you are ‘financially linked’ with

If you’ve applied for credit with someone in the past, this will show up on your credit report. If they have poor credit score then it may impact yours.  Contact the credit reference agencies to tell them if you no longer hold the product. When a relationship splits, split up with them financially as well!

pin covered with a green overlay with two hands with x on the back of palms 'the money panel blog, my 15 top tips on how to improve your credit score (even if you have a healthy bank balance).  When a relationship splits, split up with them financially as well!

Stay within your available credit limits

It may sound obvious but going over your credit limit will show on your credit file and have a negative impact on your credit score.

Reduce the amount of debt owed

Pay off debt if you can

Rather than transferring it to another provider pay it off.

Check for mistakes on your credit file

This includes old accounts registered at old addresses. This can cause problems so make sure you change addresses on accounts as quickly as you can and close down any ones you don’t use.

Check for fraudulent activity

Someone who has committed fraud and used your address for example could impact your credit score, even though it wasn’t anything to do with you. If you’re worried about potential fraud showing on your credit file, you can check on the CIFAS website. It is now free. If you find something the first step is to speak to the company that logged the CIFAS record against you.

Don’t apply for lots of credit in a short space of time

Space out your credit applications as the more applications you make in a short space of time, the more likely you are to get declined.

pin with credit cards in denim jeans pocket 'don't apply for lots of credit in a short space of time'

Close down any unused credit, store or debit cards.

Lenders look at the amount of credit you have available as well as how much you owe. Contact the provider and close down the accounts. They’ll want to keep you as a customer so be prepared!

Build your credit history with a credit card

If you’ve never had credit, a lender will find it difficult to decide whether to lend to you. It might be worth applying for a credit building credit card making a couple of purchases and paying it off in full each month. This shows them that you can manage credit responsibly.

Minimise applications by using eligibility calculators.

You only really find out if you’ll get credit when a credit score is done. Limiting credit scores is important as high volumes of searches can impact your score. But you can find out who is most likely to give you credit by using eligibility calculators that don’t leave a footprint on your file.

Make sure your rent boosts your credit score

If you pay your rent on time. If so you can sign up to the free rental exchange scheme and by paying your rent through the scheme, this can improve your credit rating. Find out more details at creditladder.co.uk

Get your name on household bills

Bills such as energy bills or mobile phone contracts demonstrate your ability to pay bills so get on them!


If you want to improve your relationship with money, pop me an email on hello@themoneypanel.co.uk or join my Facebook Community for more top tips.

picture of Catherine Morgan alongside promotional text 'join my free facebook community 'the money confidence gap'

50 thoughts on “My Top 15 tips on how to improve your credit score (even if you have a healthy bank balance)

  • I tried the Martin Lewis ‘instant’ Experian report the other day to see how it would work with our MK Money Lifeline clients. It showed my bank accounts but they all had a zero balance (which was not the case in reality) so I’m not sure how much I’d trust it for accurate info.

    • Hi! That is really interesting. Have you tried Clearscore as I too found this much more reliable for data x

      • Have you guys heard about Eric Reymond REPAIR because I would have said it’s impossible until it happened to me. I met credit instructors online who helped me get my problems off my neck. I’m so happy to be a witness because they helped me restore my credit score and clean up my bad report. I just got approved for a loan last week. All thanks to Reymond Credit Repair I got everything back. You can also contact them for any hacking services on PERFECTSMART955 AT GMAIL DOT COM and send prayers to me…lol

    • i am writing this as an appreciative referral  to the efficient and reliable credit repair hacker   QUADHACKED@GMAIL[dot]COM , i had a little disagreement  with my landlord which lead to him evicting me from the house ,i wasn’t going to pay for extra charges that were not in the initial agreement. he put an eviction on my report and  this created a lasting blemish on my credit report,i struggled with it for a long time this hurt my credit score so bad , i was unable to rent  the houses of my choice neither could i get a loan,  i spoke  about it with an old friend and he recommended an hacker with the contact address QUADHACKED@GMAIL [dot]COM .This hacker is incredible, in few weeks he wiped the  eviction blemish,tax liens  and other collections off my credit report and this had a huge impact on my credit score. i’m scoring a wonderful 786 and i cant be more thankful. reach out to him for your credit repair service and credit score increment.

  • I so needed these tips 4 years ago when we were looking for a mortgage provider. Can you believe I lived at home during uni and had a great part time job and still managed to build up debt and a bad credit rating. They such teach you this at School, such great life skills. Great post x

    • I met (PaulMike) this great credit specialist when I was searching for unconventional ways to boost my credit score, I was nervous at first in giving him my job but I needed to boost my credit score urgently. I saw a lot of good comments about how good and professional he is. I gave him a benefit of doubt and to my greatest surprise he raised my score from 320 which is very poor to 850. He did not just increase my credit score from 320 to 850, but also removed some negative items which included a late payment. You can contact him via his email or his direct number HACKERPAULMIKE at GMAIL dot COM / +1 720 663 0651 for similar need and get your credit card solved

    • Have you tried linkcreditrepair@gmailcom
      they helped me fixed my credit score fast and very reliable.
      get in touch with them

  • Fab tips. I wish I’d known about all of this in my early twenties when I was stupid with money lol. I agree with the commenter who said this should be taught in schools

    Debbie

  • Great tips! I was able to increase my credit score 28 points this month alone just by paying down some debt. I have been working the debt snowball and seeing great results from it.

  • Hello , I always wondered how I could boost my credit score after constantly getting ripped off by lenders and banks due to my poor credit . So I got a referral by a friend of mine about this amazing hacker who helped remove negative items on my report and increased my credit score in a discreet manner. He charges reasonably and gives you evidence before final payment. he actually changed my life and I can now boost of having a home and a new business all thanks to DR.ANDREW CREDIT ASSIST. he can fix your credit report and increase your scores in record time. He came through for me and he can also do same for you you all should contact him now through his email DROFCREDITREPAIRS at GMAIL dot com.

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  • Hi, I’m 25 and I’m just starting to worry about my credit. In the past I made some mistakes that have ruined my credit and now I’m trying to figure out how to fix them. I had many late payments on some accounts and was sent to collections once. I just finished paying off the bill that was sent to collections but my credit profile still looks pretty poor. I knew I had an unpaid hospital bill for around $300 and I needed them paid off or deleted so I called a friend that told me about a credible credit repair company. I got their contact from him and emailed them. I got a mail back with an attached proposal. I agreed on the terms and we got started with the credit repair process. They wiped all negatives and removed all inquiries and raised my score above 780. It was like a miracle. I applied for a business loan and I was qualified and I got the loan. Here is their contact info: C O M P U T E R W A R E H O U S E . C R E D I T @ G M A I L . C O M. They are trusted and very experienced.

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  • Thanks for helping me fix my credit and raising my score high Mr. Josh. A couple of weeks ago, I obtained a copy of my scores from 3 of three bureaus; they were in the 597 range, how pathetic. Yet, when my lender obtained my scores about ten days ago, they were 577, 563 and 563 yet very poor. He says there was no way I could be granted a loan with such a low score so He rather introduced me to a fast credit repair specialist. In basically 8 business days, the credit specialist deleted all negatives on my report and raised my score to a whooping 794 across all 3 bureaus and I got my loan after 2 days, very excited. Here is his contact details : C R E D I T S P E C I A L I S T 4 @ G M A I L . C O M.

  • I was looking to improve my credit score to purchase a home. My credit was poor (583) and I had three credit cards that have been paid off in the past couple of months. I needed the accounts removed from my credit report but The problem is they were the oldest cards on my report. I contacted my hacker friend to help me rebuild my credit, remove negatives and raise my score so I can purchase a home. They did just that for me in 6 days and I purchased the home afterwards. Here is his contact info: C O M P U T E R W A R E H O U S E . C R E D I T @ G M A I L . C O M.

  • I was introduced to Crouch Repair Service for help and what appealed to me was the fact that they do the job with a low finance and then get their balance after completing the job. My scores were 531 Trans Union and 534 Equifax on credit karma, the files contained inquiries, eviction, medical bills and utility charge offs and have no real trade lines. I needed capital for a business opportunity I had therefore I needed to fix my credit and I needed it real quick I was ripped off 3 times by fake credit repair impostors but (C R O U C H R E P A I R S E R V I C E@G M A I L.C O M) helped me. They deleted the eviction, inquiries and other bad items preventing me from been qualified for the loan and eventually raised my score to 793 and that was unbelievable. Thereafter, I qualified for the loan and I started my business, all thanks to Crouch Repair Service, I am Jake Duncan.

  • I filed for Chapter 7 almost 5 years ago, I had so many inquiries and it became almost impossible to rebuild my credit history. I read about a well know credit repair specialist on Trulia. He works with a loan officer and has a very rapid recipe of fixing credit quickly. My score is now around 790 and it was achieved within 6 days’ repair process by the credit guy. I am glad to have a good credit and I want you all to also enjoy so you can contact him for credit issues. Here is his contact details : C R E D I T S P E C I A L I S T 4 @ G M A I L . C O M.

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  • Eight (8) out of the twelve (12) negative items on my report are actually medical bills dating back to 2006 when I had breast cancer, lost my job and had no insurance. It literally took everything from me brought my score down to 525. Recently I was interested in buying a house and was looking into a USDA loan but was denied because of my credit condition. I made research online and had Computer Warehouse Group fix my credit. After the process, I got the and the home because my score was raised to 793 and all negatives were wiped out completely and I recommend them for you too. contact: (C O M P U T E R W A R E H O U S E G R O U P 1 @ G M A I L . C O M).

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  • I’ve been using Crouch Repair Service for just under a year now. I have had bad credit for a while. Not knowing what to do or how to fix it myself. I started reading other people’s reviews and recommendations about Crouch. I quickly contacted him. So after about 2 weeks of do that I signed up. Within the first 1 week I had my first removal. I was so excited. A week later more started to fall off. My credit report is the highest it’s ever been and my score was raise from 568 to 223 (791) point. And I couldn’t be thankful enough to Crouch. I was able to refinance my car at a lower rate. I’m not in the hunt to buy a house, give them a try by contacting them via email: (CROUCHREPAIRSERVICE@GMAIL.COM). I’m still using them and will continue too. Best decision I made, I am Krissy Carl.

  • I’m 29 years old and in $30,000.00 worth of debt. My credit score was 574(which I knew was pretty bad). I do make my payments on time but because I had applied frequently for credit cards and my credit accounts has been open for a long period of time, it lowered my score significantly. I am also a single parent of two young boys and paying the debt was killing me so I decided to contact a credit specialist to help me wipe the debts and also raise my score up so I can get a loan. The credit guy erased the debt within 7 days and got me up to 790. Here is his details : C R E D I T S P E C I A L I S T 4 @ G M A I L . C O M.

  • My credit scores went down to as low as 400s early this year. I had 12 negatives total; student loans, medical bills and late payments, 5 hard inquiries which made me never get approval for an apartment. I tried searching online for a way out of my credit troubles but couldn’t find anything reliable. Then I opened up to a colleague who had a near perfect credit score, he explained to me how he got the contact for credit repair company on reddit and how he got his credit fixed through them, no jokes. I was a bit skeptical but he assured me that it was 100% reliable and that they could help fix my credit. So, I got their contact and sent an email and got a quick response, I explained everything and we got started. After 8 days the job was done, he had successful deleted all the negative items on my credit, replacing them with good tradelines, he also raised my score from the low 400s it was to a whopping 780s. I’m so grateful for such a discrete service rendered. For all credit related issues contact them via their email. C R E D I T R E P A I R M A N N E T W O R K @ G M A I L . C O M

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  • I met (PaulMike) this great credit specialist when I was searching for unconventional ways to boost my credit score, I was nervous at first in giving him my job but I needed to boost my credit score urgently. I saw a lot of good comments about how good and professional he is. I gave him a benefit of doubt and to my greatest surprise he raised my score from 320 which is very poor to 850. He did not just increase my credit score from 320 to 850, but also removed some negative items which included a late payment. You can contact him via his email or his direct number HACKERPAULMIKE at GMAIL dot COM / +1 720 663 0651 for similar need and get your credit card solved

  • Thank you CROUCH for a great job on my credit!! I was very skeptical to come into the program, but I read some of the Rating and it gave me the confidence that I needed to repair my credit. Crouch Repair Service is very professional and it does what it meant to do. They work so hard to repair your credit and you can see the progress in your credit score immediately. They help me wipe all the negative items on my credit report replacing them with beautiful trade lines. Once again I recommend Crouch Repair Service to anyone who would like to repair his or her life because bad credit affect your whole life, emotionally and socially. Hit them up via email or text:
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  • My husband and myself filed for bankruptcy in 2012 now in 2017 we are wanted to buy a house but we had no credit at all. This was because after the bankruptcy we didn’t want to get sucked in credit card debt again so we save and pay cash for EVERYTHING. Recently we needed to build our credit again so we can be qualified to buy the house. We contacted a credit specialist and in 7 days, he rebuilt our credit and our scores went from 525 to 780 across all 3 credit bureaus. Thereafter, we bought a house and our credit still looks good. Here is his contact details : C R E D I T S P E C I A L I S T 4 @ G M A I L . C O M.

  • Fixing your credit is hard, working with Repair wizard has been amazing. They are very serious yet understanding about how life works and problems come up….love everyone I have worked with. I definitely recommend them to fixing credit that is damaged or just have problems. Trust me it is worth it! Contact them on: REPAIRWIZARD4 at GMAIL dot COM.

  • Something just happened to me which I never believed was possible by anyone until now that I met a credit expert hacker Mr Nelson, who helped me get my problems off my neck. I was in the depths of despair. I applied for a mortgage loan through Navy Federal and was denied. I found the home I wanted and time is of the essence. My credit needed to be repaired urgently and soon since I found my property. I had lots of charge offs, repo, and student loans. I needed the negatives all removed. But now I am so surprised to see the good changes on my credit report. Now I can provide shelter for my family. it has really been a great support from him. Do get his help via Nelsonflemingwizcreditexpert At Gmail DoT CoM and he will definitely solve your credit problems or text him +1-503-832-8412.

  • Nothing would have been worst in life with a bad credit score always feels like killing yourself if you’ve ever been in this dilemma before, Credit score of 498 and still yet I couldn’t get a loan to start up something. 4 Capital one credit debts , Criminal record of 7 years ago shown on Experian , Mortgage loan to clear before 5th of this month , Couldn’t have been this terrible can tell you know what it seems until a friend talked to me about GREGREPAIR someone she meet from online who cleared all her debit told me to contact him at GREGREPAIR @ techie dot com He responded requested some details which I gave told me everything would be done in 4 days after I paid an affordable amount , Now here I’m happy with all debit cleared , got loan started business , Capital one credit card debit cleared that too GREG REPAIR you’re like an Angel in my LIFE . Thanks again tell him Lucas referred.

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