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Whatever type of credit you're applying for, whether it's a credit card, loan or mortgage, they all have one thing in common, the chances of being accepted rely on your credit score.

When you apply for a credit card, the credit card provider will look at your credit rating, credit report and other information to create your credit score. This helps them decide whether to accept your application, what your credit limit will be and in some cases the interest rate you will be charged.

So how can I improve my credit rating?

  • Make sure you are on the electoral roll - this is so lenders can make sure you are who you say
    you are.
  • It also really helps if you don't apply for lots of things at once such as mobile phone contracts, loans and credit cards. Any applications you make will appear on your credit report as searches. And although credit providers can't see whether you're declined or accepted, a few searches in a short space of time can make you look credit hungry.
  • Another helpful tip is to cancel any credit cards you don't use and do your best to pay off any existing debts. Always pay your bills on time, as lenders will be able to see late payments, defaults and County Court Judgements (CCJs).
  • If you have never had credit in the UK before, this can often be as problematic as having a bad credit history. Lenders need to see that you have a history of successfully managing credit - staying within your limit and making payments on time.

It's a good idea to get to know your credit report, to find out more visit:

Equifax | Experian | Call Credit

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