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

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!

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.

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

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!


Join The Money Circle membership

Join the next FREE Plug Your Money Leaks Challenge

Book in a complimentary call to discuss how financial coaching can help you move from financial overwhelm to confidence and control. 

Join Catherine’s Facebook Page and FREE Facebook Group

My Website 

My Online Courses – Investing for beginners from £1

My YouTube Channel 

Connect with me on TwitterInstagram and Facebook 


  1. Anonymous on June 14, 2018 at 8:46 am

    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.

    • millscatherine on June 14, 2018 at 3:38 pm

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

  2. Renee on June 16, 2018 at 6:35 am

    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

  3. WorkingMumCambridge on June 16, 2018 at 6:48 am

    Some great tips and advice here, thanks

  4. Welsh Mum Writing on June 16, 2018 at 7:01 am

    Really useful! Thanks for sharing it. It’s a good idea to check on your credit history.

    • anderson paul on July 20, 2018 at 12:36 pm

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

  5. Laura: Adventures with J on June 16, 2018 at 7:04 am

    This is very helpful thanks as I never understood this! I didn’t know I should have bills in my name. I think ours are all in hubby’s name so will look at changing a couple. Thanks.

  6. Emma on June 16, 2018 at 8:09 am

    I make a point of checking mine every year for mistakes. Great post!

  7. Rebecca on June 16, 2018 at 8:13 am

    Brilliant article and lots of great tips for people of any age!

  8. randommusings29 on June 16, 2018 at 9:15 am

    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


  9. Michaela - The Mummy Diaries on June 16, 2018 at 9:48 am

    I love helpful tips like these

  10. Kristie Prada on June 16, 2018 at 10:03 am

    Gosh it’s so important to do this. It really affects everything as well. And just when you need it you will wish you got this organised sooner. Great advice!

  11. Heather on June 16, 2018 at 11:39 am

    Good tips! Always good to check and see ‘unused’ credit x

  12. The Frugal Bear on June 16, 2018 at 10:37 pm

    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.

  13. Debora Tentis on August 25, 2018 at 2:09 pm

    Oh, these are so useful! Thank for info and I’m glad to discover you!

  14. Andrew Marshally on March 25, 2019 at 1:16 am

    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.

  15. Alma Langrum on August 21, 2019 at 8:39 am

    I found this useful

  16. Rochelle Donald on August 23, 2019 at 4:35 pm

    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.

Leave a Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.