Improve my credit score hard credit check

sim2335

I’m looking to get mortgage this year or next year, one way to improve my credit rating is to get a credit card, however they will do a hard credit check so is it worTh it

[Deleted User]

If you want a credit card and are looking to build some history, then yes.

[Deleted User]

If you have little credit rating (ignore the meaningless score) and a very thin file then yes a credit card used every month and paid off in full by direct debit after the statement is generated is a good thing as it shows you can manage credit. If you were applying for a mortgage this year, depending on when it might be a gamble to have that extra credit but if you were talking 12 months time, I'd take one out yes.

sim2335

I have a long history off credit, etc the majority of bad stuff is sorterd so I’m in the process of building it up now 

kaMelo

sim2335 said:

I have a long history off credit, etc the majority of bad stuff is sorterd so I’m in the process of building it up now 

How bad is bad and what is the minority that isn't sorted?
Forget the score as it matters not, what does matter is the details on your credit report. Depending upon how bad the bad is or how bad the un-sorted is will dictate how easy or difficult it will be to get a mortgage. (Or even a credit card for that matter)