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    • Sadie1990
    • By Sadie1990 8th Aug 18, 11:26 AM
    • 1Posts
    • 0Thanks
    How do I improve my credit score
    • #1
    • 8th Aug 18, 11:26 AM
    How do I improve my credit score 8th Aug 18 at 11:26 AM
    Hi,so I currently have about 7k worth of debt and a diabolical credit score .I want to repair this ASAP.
    I know about not trying to obtain credit and keeping up payments to creditors but is there anything else I can do ? I can not get accepted for any type of credit so getting a credit card or loan is not an option
Page 1
    • zx81
    • By zx81 8th Aug 18, 11:31 AM
    • 20,632 Posts
    • 22,072 Thanks
    • #2
    • 8th Aug 18, 11:31 AM
    • #2
    • 8th Aug 18, 11:31 AM
    Your aim isn't to improve your score, but to improve your history.

    What do your three credit files show?

    If your current status is so bad that you can't get any kind of credit card, then repayment and time will be needed to improve your files.
    • Willing2Learn
    • By Willing2Learn 8th Aug 18, 12:18 PM
    • 2,285 Posts
    • 1,803 Thanks
    • #3
    • 8th Aug 18, 12:18 PM
    • #3
    • 8th Aug 18, 12:18 PM
    Hi Sadie1990 and welcome to the forum

    Do you have any defaults, arrears, late payments or any other negative influences on your credit files?
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • sparkey1
    • By sparkey1 8th Aug 18, 8:19 PM
    • 439 Posts
    • 198 Thanks
    • #4
    • 8th Aug 18, 8:19 PM
    • #4
    • 8th Aug 18, 8:19 PM
    To improve your rating

    1 Pay on time
    2 Dont close old accounts unless they are charging a fee
    3 Are you on the electoral roll
    4 Do you rent. If so, sign up to property ladder

    Any more info? What debts do you have. Loans or credit cards... credit limits?

    Are you on your utility bills?
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