There are things you can do to build up a good credit score. It is a good idea to check your credit file annually or before checking your eligibility as lenders will review your file prior to making a lending decision.
It’s also worth making sure you’re registered on the electoral roll at your home address, and that your credit reference file is up to date. There are also credit builder cards available on the market for those with a poor, or no credit history. You can use the card to pay for your usual monthly purchases to build up your score. Just remember to repay in full each month so you don’t pay the high interest rates.
Just remember to repay the balance in full every month. Otherwise you’ll find yourself not only paying high interest rates, but this could also have the opposite effect and negatively impact your credit score.
For more useful information on boosting your credit score, read our handy guides.