Improving my credit worthiness

Halfie

Hi all

Due to landing a well paid role I am on the road to repairing my pretty shoddy credit history and wondered if there's anything I can to to improve my credit worthiness with the aim of getting a joint mortgage in 12 months or so. (Current house is in partners name, equity of £100k and joint income of around £80k so only issue is my shocking credit history).

Defaults:
I had 3 accounts in default which I have settled on a full and final basis this week. These went into default May 2013 (L0well/Tesco Mobile), October 2016 (Next) and September 2017 (Santander). I know the May one will drop off soon but didn't want L0well sending me a CCJ or anything for the sake of £50. The Santander one I didn't know about and was in joint names with my ex husband. I thought the account was closed, it wasn't and several liability means I sucked it up.

Credit Cards:
I have 2 x Capital One credit cards with a limit of £300 each and have just applied for a Marbles Credit Builder which has been accepted at £900 limit (progress!!). I am running the Capital One ones at around 25% now and paying off in full. I was previously using a higher amount and not always paying in full but have never missed payment. I will use 25% ish and pay off in full with the Marbles one when it arrives. Although, I don't need to be using credit, so should I still purchase on CCs every month and pay off in full?

Pay Day Loans:
I have had a few PDLs due to various circumstances with the last one being November 2018. Bad times, but needs must and all that. New job means I am able to now save for rainy days rather than asking for a bucket from PDL companies!

Loans:
I have a personal loan (£1000) with my bank which will have the last payment next month and have not missed any payments in the 12 month term.

Others:
I have an overdraft of £650 which, to be honest, I use in full most months. Last month I didn't and hoping to avoid using it fully going forward. I have Paypal credit account with a limit of £500 and current balance of £247. Always paid on time, at least £50 per month.

I know we can't charge the past but is there anything more I can do to help make me a bit more attractive to lenders in the future?

Thanks!

[Deleted User]

You're doing the right things.

Stay out of your OD, clear the cards in full, stay away from PDLs and small loans (such has the 1k), pay off the PayPal debt.

It's all the small debts that paint a picture of someone who can't survive on their earnings, so get clear and stay clear.

Time will do the rest.