cleared all debts anything else to improve my rating

andy.1987

Hi i have finally cleared all my debts as of today :j im now trying to restore my credit file im on the electoral register at my current address i have a credit card that i spend 300-400 a month on then clear in full the following month. Any other tips or advice i could do i checked my file on noodle and i come up as 2 out of 5.
Thanks

Tixy

Is everything on your credit files factually correct?
Are you on the electoral roll?

If so then it seems like what you are doing with the credit card is the best course of action.

How soon your ability to get accepted for new credit improves will in part depend on what is actually showing on your files (not the scores or ratings) the actual credit data.

Are you financially associated with anyone else (on your credit files)? if so and if they have a poor credit history this could affect your ability to get new credit.

andy.1987

Yeah everything on my file is all correct and im on the electoral roll. there was around 6 late payments that got sorted the biggie was the dafault on my loan back in 2010. hopefully if i keep on the path im on it should improve hopefully.