The big levers
- Pay on time — set up direct debits for at least the minimum.
- Lower your utilisation — aim to use a small share of your limit.
- Register to vote at your current address.
- Keep older accounts open to lengthen your history.
What to avoid
- Multiple credit applications in a short period.
- Maxing out cards.
- Ignoring errors on your report.
Frequently asked questions
Will closing a card help?+
Often not — it can raise your utilisation and shorten your history. Usually better to keep it open and barely used.