Building Your Rating

Practical ways to improve your credit rating and recover from poor credit history. Articles cover checking your score, reorganising existing credit and understanding refusal reasons.

How to Check Your Own Credit Rating

Get your credit report directly from UK agencies like Experian and Equifax to see what lenders see when you apply for credit.

Knowing How a Credit Rating Is Built Up

Understanding what goes into your credit rating and how things like voter registration affect your chances of getting approved for loans.

Reasons for a Low or Poor Credit Rating

Missed payments and other common mistakes can tank your credit score and cost you thousands in higher interest rates.

Reorganise Your Existing Credit

Take control of your debts by consolidating multiple payments into one manageable monthly repayment.

Ten Ways to Sharpen Up Your Credit Score

Improve your credit score by paying down debt, closing unused accounts, and showing financial stability to lenders.

What to Do if You Are Refused Credit

If your credit application was denied, check your credit file for errors and consider speaking with a debt charity about payment problems.