Credit score rating

cjones85

Hi, I’ve been default free for 2 years and my credit score is still extremely poor. I pay all my bills and creditors on time but it does not increase. Is there a problem with my account? 

cymruchris

So is mine - my bankruptcy from 2013 has dropped off - along with all of my poor history around that time - I've got credit cards that I use and clear every month, a sim-only mobile phone contract, and all up-to-date - yet my score is still poor as well. Remember it's not a score that anyone will see other than yourself. If you're doing everything right - keeping up your payments - clearing your cards - paying your bills - when you come to need something like a mortgage - the banks will look at your history - not a made-up score. (This is assuming you do have a credit card? One of the ways to improve the made-up number?)