Your credit rating is really important.
It’s used to decide whether you get credit cards, loans, mortgages, phone contracts, car insurance and more.
One missed payment can affect your credit score for up to 6 years.
To stay in control by setting up a direct debit so your payments come out automatically.
Pay off more than the minimum payment on credit cards and loans every month.
It saves you money on interest and lenders look positively on it.
Lenders use the electoral role to confirm where you live and who you are.
If you’re not on it, you’re unlikely to get any credit.
Register online at gov.uk/registertovote.
If you keep applying and keep getting declined it goes against you.
Some providers now have eligibility checkers that tell you how likely you are to be accepted before you apply, and it won't affect your credit score.
Capital One The card in your corner.