How can I build a better credit rating?
I have been somewhat careless when it has come down to looking after my credit history. I would put this down to youthful ignorance partly. I work freelance now and know for a fact that I have a bad credit history and I would like to take measures to start working at least to a B grade. Could you please advise me on how I should go about doing this and what kind of support/services Experian.co.uk can provide me? Kind regards.
Your credit history can be a valuable asset so it’s great that you have decided to give yours some attention, particularly as it sounds like a little restoration may be needed. We can certainly support your quest to build a much better credit rating. The best place to start is to order a copy of your Experian credit report and go through it carefully. That way you can make sure everything on there just now is accurate and up to date. You can also look for opportunities to make improvements going forwards.
You can also get your Experian Credit Score to help you understand how you report is likely to be rated by lenders. Your score will range between 0-999. Our website includes lots of helpful advice on where you might be able to make improvements, now and in the future. This can range from registering on the electoral roll to making better use of existing credit to taking out new credit. Check out this guide on improving your credit score. You can then check back on a regular basis to monitor your progress. Good luck. (January 2013, updated April 2018)
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