What can I do to improve my credit score?

Oodle’s top five things you can do to improve your credit score are:

 

  • Register on the electoral roll. If your names not on there, you’ll find it much harder to get credit.

 

  • Pay your bills on time. This proves to lenders you’re capable of managing your finances. 

 

  • Keep your credit card low. Try and keep your credit utilisation at 25% or lower. 

 

  • Check if you’re linked to another person. Even if they’re your loved one, if their credit rating is low and you have a joint account it could affect your personal rating.


Clear any existing debt. Lenders are less likely to lend to you if you already have a lot of existing debt.

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