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How can I improve my credit rating? Most of us make the odd late payment every now and then, but try to pay on time and setting up direct debits can help you to avoid human errors. Improve your credit rating by applying only for credit to lenders who are likely to say yes – use the list of lenders we recommend to you on your credit report to reduce the chances of being declined and to find the cheapest deals when applying for credit. If you are declined frequently, your credit report will have tell-tale searches recorded, and no account information – lenders will assume that you have had trouble getting credit. When you move house, contact your local Electoral Registration Officer to arrange to be put on the electoral roll right away. Check your credit report for errors – regularly. Remove anyone on your credit report who is no longer financially connected to you. Don’t pay anyone who claims they can ‘repair’ your credit report, credit rating or claim to hide judgments. Most of the methods they use are unlawful, and can easily end up with a fraud warning on your credit report that you won’t be able to remove for a very long time. click here to go back |
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