Credit Score

Deb82_2

Hey all
I'm new to all this so i'm very sorry if i'm in the wrong place!!

I've tried appling for a credit card but been told i can't have the card i want because my credit score needs improving !!

I'm in no rush as i already have a card but would like to improve my deal. Wondered if anybody out there has any suggestions or knows how to improve credit scores as apparently mine is pretty poor!!!

Thank u

Moggles_2

Hi Deb

Welcome to MSE!

You'll find lots of info' and tips on the main site. In particular, have a look at Martin's *How to Manage & Improve your Credit Score* article

http://www.moneysavingexpert.com/banking/credit-rating-credit-score#improve

jimbo26

It depends largely on why it's poor. If it is due to CCJ's and or defaults then there isn't a huge amount you can do other than give it time.

If you can be more specific then we may be able to offer some advice tailored to your needs.

allan673

hi, i was gonna ask the same question.
ive got no debts or loans, only a mortgage.
pay all my utility bills by direct debit.
money in the bank etc, never ever overdrawn.

Moggles_2

allan673 wrote: »

I've got no debts or loans, only a mortgage,
pay all my utility bills by direct debit, money in the bank etc, never, ever overdrawn.

Have a look at Martin's *How to Manage & Improve your Credit Score* checklist

http://www.moneysavingexpert.com/ban...-score#improve

christhesparky_2

you could always try the captal one classic, its high interest but pay it off in full each month, its supposed to help improve your credit rating