DRO in 2018 - now trying to rebuild credit score

Tmg09

Hi all, 

I had a DRO in Dec 2018 and was discharged in 2019. Since then, I've been trying to boost my score and do everything I can do improve. I'm aware my DRO will be on file til Dec 2024.

However, I've done/managed the following:

- Phone contract with EE (£30 pcm)
- Credit card with capital one (used for groceries and repaid every month in full)
- Loqbox for a year in 2020 in an attempt to boost score

My current score ranges from 479-533, depending on which site I look at, so I'm still very low albeit A LOT higher than when I first got my DRO. What else can I be doing? I looked at my file and two creditors (Barclaycard and TSB) state my accounts are in default. All other accounts that were in DRO are closed on my file. I've already spoken to Barclaycard and TSB. Could this be bringing down my score more than it ought to be? 

My situation is a world away from 2017/2018 and I'm saving for a house to buy with my target being 2025. Howeve want my credit score to be as healthy as it can be.

Thanks for your help in advance.

[Deleted User]

The first thing is to disregard your score. You need to build a better credit history, which means you'll send your score lower. But that's ok, as no one ever sees it but you.

You have new credit lines which you seem to be managing ok. If you have any unsettled debts, settle them.

Other than that, you just need time.

[Deleted User]

Nobody ever sees the score except you. It is NEVER used in decisions on credit / lending so stop worrying about it and just keep on doing what you're doing, time cures a lot of the problems and by 2024 you'll be sorted