{"id":35,"date":"2021-08-23T10:02:16","date_gmt":"2021-08-23T09:02:16","guid":{"rendered":"https:\/\/www.affalo.co.uk\/blog-api\/?p=35"},"modified":"2022-09-07T10:26:27","modified_gmt":"2022-09-07T10:26:27","slug":"5-ways-you-can-improve-your-credit-right-now","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/credit-score\/5-ways-you-can-improve-your-credit-right-now\/","title":{"rendered":"5 ways you can improve your credit RIGHT NOW"},"content":{"rendered":"\n<p>You probably know by now that credit checks are one of the ways in which lenders assess risk. That is, how they can be sure that you can pay back any money you borrow from them. It\u2019s how they decide whether or not to lend money to a given borrower. In recent years, lenders have been particularly strict about making sure that borrowers will not default on their payments.<\/p>\n\n\n\n<p>Credit checks are tricky to get around, because they take so much information about you into account. However, there are things you can do right away to help improve your credit score and your chances of getting a mortgage.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score\/5-ways-you-can-improve-your-credit-right-now\/#Get_on_the_electoral_register\" >Get on the electoral register<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score\/5-ways-you-can-improve-your-credit-right-now\/#Switch_from_pay-as-you-go\" >Switch from pay-as-you-go<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score\/5-ways-you-can-improve-your-credit-right-now\/#Get_a_credit_card_and_dont_go_over_your_credit_limit\" >Get a credit card (and don\u2019t go over your credit limit)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score\/5-ways-you-can-improve-your-credit-right-now\/#Pay_your_bills_as_soon_as_possible\" >Pay your bills as soon as possible<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score\/5-ways-you-can-improve-your-credit-right-now\/#Register_with_Credit-Score\" >Register with Credit-Score<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score\/5-ways-you-can-improve-your-credit-right-now\/#Further_credit_improvement_ideas\" >Further credit improvement ideas<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score\/5-ways-you-can-improve-your-credit-right-now\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Get_on_the_electoral_register\"><\/span><strong>Get on the electoral register<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Getting on the electoral register is a very quick and easy way to improve your credit score. It confirms your name and address, and therefore your identity. Credit scoring companies can then use the information from the electoral roll to gather financial information about you.<\/p>\n\n\n\n<p>You do <strong>not<\/strong> have to be on the open register if you don\u2019t want to. The credit scoring companies use the full electoral register, not the open register, so all you have to do is register to vote!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Switch_from_pay-as-you-go\"><\/span><strong>Switch from pay-as-you-go<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A lot of people these days continue to use pay-as-you-go mobile services. This means they simply top up their phone with credit to make phone calls. While this might be cheaper short-term, it has long-term knock-on effects for your credit. A mobile phone contract lets you prove to lenders that you can keep up payments you\u2019ve agreed to in advance. This is of course useful information for a mortgage lender to know!<\/p>\n\n\n\n<p>If you are still using a pay-as-you-go SIM in your phone, you may wish to seriously consider switching to a contract deal. Some deals are SIM-only, letting you keep your phone and replace the SIM. In addition, thanks to PACs, it has never been easier to transfer your mobile number from one mobile phone provider to another. And contracts could save you money long-term, so it\u2019s worth looking into.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Get_a_credit_card_and_dont_go_over_your_credit_limit\"><\/span><strong>Get a credit card (and don\u2019t go over your credit limit)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Credit cards are, as the name would imply, a great way of showing that you can use credit responsibly. Credit cards let you borrow small sums from the card provider. You can then pay it back at a later date, with interest added. Paying off your credit card debts shows that you are able to take debt on. More importantly, it shows you can pay it off, which is encouraging to lenders.<\/p>\n\n\n\n<p>However, it is also important to be careful to keep your credit utilisation low. Make sure that you avoid going over your credit limit. Going over shows you rely on borrowed money to live. That tells lenders that you are not actually able to pay much of what you borrow back. You want your lender to see you as a <em>responsible <\/em>borrower, not just a borrower. For similar reasons, you should make sure that you avoid using your credit card in cash machines if possible.<\/p>\n\n\n\n<p>Bottom line: Make sure you\u2019re only using your credit card to borrow amounts you know you can afford to pay back, and never borrow more than your limit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pay_your_bills_as_soon_as_possible\"><\/span><strong>Pay your bills as soon as possible<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This might not be a problem for you if you use Direct Debit to pay your bills. However, if you manually pay your bills every month, it\u2019s good to make sure that you pay them as soon as you can. This shows that you are able to budget your costs and keep up promises you make to companies. When the time comes for you to factor in mortgage payments, you\u2019ll need to be making sure you can make your monthly repayments. It is obviously very encouraging to lenders if you can show that you are organised and have your affairs in order.<\/p>\n\n\n\n<p>Remember, missing a mortgage payment can mean losing your house and long-lasting damage to your finances. You need to be able to stay on top of things!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Register_with_Credit-Score\"><\/span><strong>Register with Credit-Score<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Credit-Score (that&#8217;s us!) is a credit-repair service created with first-time buyers in mind. It\u2019s powered by Equifax, one of the three major credit-checking companies in the UK. We can give you guidance so you can figure out where your problem areas are. We can give you a snapshot of what financial decisions you can make today to start improving your creditworthiness and get mortgage ready.<\/p>\n\n\n\n<p>Credit-Score doesn\u2019t just give you a credit score. Our 24-Factor Credit Check gives you real insight into what you can do to start improving your creditworthiness.<\/p>\n\n\n\n<p>Why wait? Sign up today and start your journey to improving your credit! <a href=\"http:\/\/credit-score.com\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Registering is quick and easy<\/a>, and a subscription is very cheap.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Further_credit_improvement_ideas\"><\/span><strong>Further credit improvement ideas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Some other ways of improving your credit include being very careful when using services like Klarna, whose terms openly state they affect credit score when you take out a personal loan with them for impulse buys.<\/p>\n\n\n\n<p>You may also want to ensure your credit is not tied to someone else. This is because their financial history may be more chequered than yours and may raise a few eyebrows with lenders!<\/p>\n\n\n\n<p>In general, you\u2019ll want to make your repayments on time, to show you are financially responsible.<\/p>\n\n\n\n<p>We hope these tips and suggestions have helped you get a sense of what goes into a good credit score. Remember: <strong>The only person who can fix your credit is you.<\/strong> Making some small changes today can pay great dividends in future!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n","protected":false},"excerpt":{"rendered":"Credit is crucial to getting a mortgage. If you want to buy a house, you need to have your credit score in order. Here are some ways.\n","protected":false},"author":19,"featured_media":5185,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[577],"tags":[349,576,578,579,468,580,581,582,399,583,584],"class_list":{"0":"post-35","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-score","8":"tag-credit","9":"tag-credit-card","10":"tag-credit-score","11":"tag-credit-scoring","12":"tag-equifax","13":"tag-fix-credit-now","14":"tag-home-loans","15":"tag-improve-credit-score","16":"tag-loan","17":"tag-mortgage-help","18":"tag-why-cant-i-get-a-mortgage"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2021\/08\/priscilla-du-preez-EpfyudUQB30-unsplash.jpg","author_info":{"display_name":"Robert Edwards","author_link":"https:\/\/www.check.co.uk\/blog\/author\/conor-mullinsaffalo-co-uk\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 ways you can improve your credit RIGHT NOW | Credit-Score<\/title>\n<meta name=\"description\" content=\"Credit is crucial to getting a mortgage. 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