How to improve stagnant credit score.

Bluepetal

Hey there

I've been a long time follower of MSE. I seem to have exhausted all of the tips in the various guides for improving my credit score.

It has been at the same level for quite a few months now and I am not sure what else to do. I have a long history on my current account, I'm on the electoral and everything else.

I have three credit cards which I use for different things, a debit card, current account, several direct debits, some for financing.

Its mostly for trying to get better rates.

DCFC79

Bluepetal wrote: »

Hey there

I've been a long time follower of MSE. I seem to have exhausted all of the tips in the various guides for improving my credit score.

It has been at the same level for quite a few months now and I am not sure what else to do. I have a long history on my current account, I'm on the electoral and everything else.

I have three credit cards which I use for different things, a debit card, current account, several direct debits, some for financing.

Its mostly for trying to get better rates.

Well first of all your score is about much use as the England FA.

Forget the score, make sure the history is all correct.

You have all that's needed, I take it your on the Electoral Roll for your current address ?

Bluepetal

I am, and I have checked my history thoroughly and everything is accurate.

[Deleted User]

As long as you're clearing your cards in full each month, on the ER, staying within limits and making payments on time, that's all you need for a strong credit history.

Anthorn

Bluepetal wrote: »

Hey there

I've been a long time follower of MSE. I seem to have exhausted all of the tips in the various guides for improving my credit score.

It has been at the same level for quite a few months now and I am not sure what else to do. I have a long history on my current account, I'm on the electoral and everything else.

I have three credit cards which I use for different things, a debit card, current account, several direct debits, some for financing.

Its mostly for trying to get better rates.

Here's inside information direct from the horse's mouth. Oh ok it's from Experian's mouth:
http://www.experian.co.uk/blogs/consumer-advice/what-is-good-credit-score/