Clean Credit Score

Information up to date as of: October 2021

We’ve complied a few tips & tricks to help get your credit score squeaky clean ready for that mortgage application. And don’t forget to keep tabs of your score for free, as you make these changes.

1. Perhaps the easiest thing to do when ensuring your credit file looks healthy is to prove where you live, simply enrol on the electoral roll where you live (even if that’s at home with parents)
2. Make regular payments on time. It sounds like a no brainer, right? But keeping on top of your repayments on things like credit cards should always be done by the deadline and try to pay off more than the minimum if possible. It is often suggested that placing regular amounts on your credit card, that are easily repaid can help your credit score.
3. Keep your credit spend at under 30% (ideally), so if your card limit is £1,000, aim not to put more than £300 on there at any one time. And pay it off as quickly as you are able to.

Brilliantly, most credit score checkers now also add in tips & tricks features to help you boost your score. The 3 credit agencies which hold your credit scores each use their own score checkers, so sign up to one of the 3 following to keep on top of your checking and to seize any handy tips that may get your score looking even better!