Help Your Credit Rating!


I’ve been for work for eighteen months now and have found myself in a difficult position as the bills still keep rolling in. I’ll soon be ready to go back to work hopefully so I was looking into how I can help my Credit rating as it seems to have been flushed down the toilet so to speak.

So here’s the check list I found by looking around

Ways to help your Credit ratings.

  • Make sure you are registered to vote.
  • Have a credit card which you pay in full each month or use no more than 30% and make sure you pay the minimum each month.
  • Close down accounts that you don’t use.
  • Pay any bills on time.
  • Don’t keep applying for credit wait at least 3-6 months between application as this can damage your rating.
  • Have a land-line phone.
  • Check your credit report make sure it is correct.
  • Make sure bills are in your name.
  • Pay bills by direct debit.
  • Open a higher interest credit card and use as mentioned above.
  • Disassociate yourself from ex partner.
  • Put a notice on your credit rating file why you may have become a bad payer or default payer.

I also found the below item which may be of  assistance to some

The Equifax credit score test

To help you work out how you might score when next applying for credit, Equifax has developed the following Credit Score quiz.






Are you regsitered to vote at your present address?



Do you have at least two active credit accounts – such as a credit card, store card or loan?



Are all your credit account payments up to date?




Have you missed any payments on your credit accounts in the last two years?




Do you have any County Court Judgements (CCJ) or been declared bankrupt?



Have you ever defaulted on a credit agreement?



Have you ever applied for more than two items of credit in the last six months?





90-100 – Excellent. Your score shows that you would be a strong candidate for credit
70-89 – Good. Your score shows that you have a good chance of being granted credit
50-69 – Fair. Your score shows you may have some problems obtaining credit
0-49 – Poor. Your score shows you may have considerable difficulties in obtaining credit.

Check out here for credit rating companies.


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