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  • FIRST POST
    • carebear95
    • By carebear95 16th Oct 16, 3:23 PM
    • 32Posts
    • 7Thanks
    carebear95
    what else can I do to improve my credit rating?
    • #1
    • 16th Oct 16, 3:23 PM
    what else can I do to improve my credit rating? 16th Oct 16 at 3:23 PM
    My current credit score across experian and noodle is in the fair range;
    I've been on the electoral roll with no gaps since 18.
    I have had a card with aqua for 6 months, used about 1/3 of my limit each month and paid off in full each month.
    I have had utility bills in my name and never missed a payment for the past two years including phone contracts.
    My average credit account age is 30 months.
    The only thing I can think of that might be causing an issue, is that i've had a catalogue account with a limit of £600 that i've not used in 6 months.
    With the aim of getting a mortgage in about 2 years with my fiance, is there anything else i should be doing to bump up my credit rating or is it a case of continue to be patient and keep using credit responsibly?
    Survey Earnings April 2016 £5/£40
    Comping since April 2016 0 wins
Page 2
    • TheShape
    • By TheShape 17th Oct 16, 10:35 PM
    • 455 Posts
    • 232 Thanks
    TheShape
    My current credit score across experian and noodle is in the fair range;
    I've been on the electoral roll with no gaps since 18.
    I have had a card with aqua for 6 months, used about 1/3 of my limit each month and paid off in full each month.
    I have had utility bills in my name and never missed a payment for the past two years including phone contracts.
    My average credit account age is 30 months.
    The only thing I can think of that might be causing an issue, is that i've had a catalogue account with a limit of £600 that i've not used in 6 months.
    With the aim of getting a mortgage in about 2 years with my fiance, is there anything else i should be doing to bump up my credit rating or is it a case of continue to be patient and keep using credit responsibly?
    Originally posted by carebear95
    Couple of questions just to cover all the bases:

    How long have you lived at your current address?
    Do you have an overdraft on a current account(s), what is/are the limit(s), ever gone into an unauthorised overdraft?
    Do you have any joint accounts with/a financial association with your fiance?

    How is your fiancee's credit rating/history? That will be as important as yours when you make an application.
    • carebear95
    • By carebear95 18th Oct 16, 8:05 AM
    • 32 Posts
    • 7 Thanks
    carebear95
    Just over 18 months at current address but looking to move soon.
    I don't have an overdraft, had a student one for two years then closed it (I think the most I ever went into it was £500), never been unauthorised.
    We've had a joint account for a couple of years and just got joint savings accounts too. My fianc! has a mainstream credit card and a similar score to myself,he got one default at 18 but that's now passed the 6 years to statue bar it.
    Survey Earnings April 2016 £5/£40
    Comping since April 2016 0 wins
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