What moves your score
- Paying every bill on time, every time.
- Keeping balances well below your limits.
- Staying on the electoral roll at your current address.
- Having a track record — older accounts in good standing help.
Quick wins
- Register to vote if you have not.
- Set up direct debits so you never miss a payment.
- Check your report for errors and dispute them.
- Avoid lots of applications in a short window.
Frequently asked questions
How long does it take to improve?+
Months, not days. Consistent on-time payments are the single biggest factor over time.