Improve credit rating by using bank for all products

Teabag37

Hello

I'm trying to improve my credit rating as I have two defaults (settled) on my file which is showing as poor on credit expert (342 points). I'm paying my credit cards etc on time for the past 6 months and understand that it may take a couple of years to be in a position to get a mortgage but can it help if I get products like car insurance, life insurance from my bank (lloyds) then ask them for a mortgage, i heard this can improve my internal credit score. I understand it will cost more on these products.

Thanks

opinions4u

can it help if I get products like car insurance, life insurance from my bank (lloyds) then ask them for a mortgage

Almost certainly not.

beecher2

Can't see what possible difference it would make to have home/life insurance with a prospective lender. When were the defaults made? Keep saving up a deposit and make sure you're on the electoral roll, pay down your debts and don't have any missed or late payments as this will build up your credit