14 ways to improve your credit score (UK)

If you want to boost your credit rating then I've got 14 things you can do that'll help get your score closer to that perfect 999.
00:00 1 Register to vote
01:23 2 Pay your bills on time
02:25 3 Pay the full amount
02:55 4 Be consistent
03:57 5 Check for mistakes and fraud
04:46 6 Monitor financial links
05:55 7 Keep some old accounts
07:33 8 Closes some old accounts
08:56 9 Understand credit utilisation
12:06 10 Use eligibility checkers
13:23 11 Space out applications
15:05 12 Use a credit card
17:35 13 Add rent payments
18:49 14 Add your regular payments
W A T C H N E X T
- Credit reports explained • Credit scores and cred...
- What's a good credit score? • What's a good credit s...
- How to check your credit score • Check credit score for...
- Will bank switching hurt your credit score? • Can switching bank hur...
#Creditscores #creditreport #creditrating
MORE
S U B S C R I B E / @becleverwithyourcash
N E W S L E T T E R - becleverwithyourcash.com/news...
(You'll also get a free Quidco bonus for signing up)
T W I T T E R - / andyclevercash
I N S T A G R A M - / andyclevercash
F A C E B O O K C O M M U N I T Y - / 2661970707423383
B L O G - becleverwithyourcash.com
A B O U T A N D Y
Andy Webb is a money blogger and journalist. He runs the award-winning website Be Clever With Your Cash, hosts the Cash Chats podcast, presented Channel 5’s Shop Smart Save Money and writes every month for Reader's Digest. Andy also founded the community ukmoneybloggers.com.
DISCLAIMER
Content in these videos does not constitute regulated financial advice. Any offers mentioned were correct at the time of filming.

[@harmony3395]

So the uk is £2.3billion in debt and they want to give ME a credit score?

[@hedwigwendell-crumb91]

Andy is not like other KZbinrs. He is awesome.

[@UKSriLankanApi]

Great video Andy. Very useful for everyone.

[@isthi000ify]

Absolutely brilliant 👏 👌 thank you

[@ceciliasenghore7843]

Thanks so much;much appreciated indeed!

[@houdafadili2290]

This is very useful, thank you

[@prashanthsga]

As always, valuable suggestions, which is more doable. Having access to excessive credit cards amount (let's say got 3 credit cards, spending hasn't increased) overall spending percentage dips. Is it advisable to reduce credit limit among them rather canceling (if still using those credit cards) OR not much worth reducing credit limit? Would like to see your take on it. Thanking you in advance 🙏

[@terencefullick279]

Excellent advice.

[@vidyabvidyab6203]

very good information.thank you so much

[@hedwigwendell-crumb91]

They set up these credit score rules to make people fail. How is it fair that you suffer because of inaccurate records that someone ELSE is keeping. Not just annoying; it is plain WRONG!

[@MrDSantos]

I totally agree with you this system is so nasty.

[@LawrenceTimme]

It's really a social credit score. They want you to borrow money to be able to borrow more money. They want to trap you paying them interested forever by giving you a high score.

[@SAbdi-hd2ld]

very informative video Andy. Thank you ever so much. I have 2 questions however, There are some unrecognised checks appearing on my experian account and you mentioned that there are Hard Checks and Soft Checks, so my question 1 is how do I know which is hard check and which is soft check? in other words, I understand that Hard Checks are visible to the other potential lenders and Soft Checks are only visible to me, but How do I know which check is visible to the other potential lenders and which check doesnt? Question 2, Is it ok companies to just randomly check your credit score even soft and is it worth calling them and to say leave me alone? :) I would be grateful to get an answer either from you or someone who can answer it for me but if not still grateful for the information I got from the video.

[@MrHakan55]

Great Informations Thank you so much for your effort

[@BeCleverWithYourCash]

Glad I could help

[@kevinsavage7322]

Hi Andy! I was turned down for finance via Barclay's and amazon even though I have an excellent score at the moment. Also I was wondering how to add new bank accounts onto my Experian account and how do Experian find my utilities bills etc as I always pay on time via direct debit. Many thanks Andy.

[@calvinberry9027]

Thank you so much

[@massurname7940]

Supper simple and informative! thank you for this lovely video

[@BeCleverWithYourCash]

Glad I could help!

[@Cp0909]

Great Info! Thanks Andy

[@BeCleverWithYourCash]

Any time!

[@hedwigwendell-crumb91]

Very helpful video Andrew. Thank you 👍🏽

[@BeCleverWithYourCash]

Glad it was helpful!

[@danien37]

@@BeCleverWithYourCash is it ideal to have some credit utilization on each card ? rather than 0%. cheers

[@liberalmatt]

Paying bills on time: EDF invoice me and then claim I'm "overdue" after 14 days. Requested confirmation of this from Ts & C's and their legal section, with deafening silence - impacting my score. Lesson: never ever use EDF....

[@Valmerix]

from what I can tell if you're disabled your credit score doesn't matter, if you have 999 credit score no one will care if you're unemployed you get rejected for everything

[@guitargodbynameofbob]

Just opened a Canopy account to track rent and got a Tesco credit card 🤞

[@TheNorliss]

Hay Andy, I've just discovered your channel and have been watching a number of your vids as they're good content. Question for you: does having more current accounts bolster your score or is it neutral? I've had my main account for over 15 years and am certainly not getting shot of that, but I do have another account that was set up about 7 years ago but that I've not used for 3 years. Would it be a good idea to use this as "dummy" from which to benefit from a switch or would I be best off leaving it open given the time I've had it? Thanks.

[@ksspqf6016]

Ask zelensky he'll tell you 🐷🇺🇦🇮🇱🐷

[@DarrenWhittington]

Did all those things, except for switched to Starling a few months back, now being penalised as I have not had my current account for that long, thats the penalty you pay when dumping a bad bank. Any advice on getting around this?

[@tindomans]

thanks Andy. super helpful information !

[@BeCleverWithYourCash]

Glad it was helpful!

[@blogtips3074]

What about if you change your name? I've changed my name and ended up with two credit scores. The older one had a dro, the new one has a lower score. I am self employed so which accounts are best to open in relation to my CS?

[@lolololo3726]

Great video, thanks 👍🏿

[@BeCleverWithYourCash]

Glad you liked it!

[@manhimwong9534]

Hi thank you for the video, for lowering credit utilisation. Is it possible to apply for another credit card and spread across evenly on the spending resulting in the lower credit utilisation to 20%?

[@danhunt7287]

Thanks buddy, all good but Experian not getting access to my bank, fk right off with that one they can 😅😒

[@tutoriale-vopsitorie-auto]

Can you use the credit card? For direct debit for bills? And from debit card to have set up direct debit to the credit card? This will help or can be bad? This will help to boost faster the credit score? Or can have a bad impact? Thanks

[@gihankanishkaananda5537]

Hi, really enjoyed the interesting video. Thank you! One question… Some of the service providers are on subscription basis, is there a effect on credit score or have to make them as direct debits for a better effect?

[@hilosky]

Generally speaking, subscriptions (like netflix, Spotify) don't affect credit at all and are different from direct debits (water, gas, etc.)

[@mskarenwyness]

Andy, I wonder if you can explain how the credit searches. This site shows you all 3 agencies, my questions are: 1) I have noticed 4 soft searches on my file against my name for my previous address which I am not aware of at different times over the last two years, I raised a query with check my file (I have free 30 trial), they said I need to contact the companies directly which I will do, I am wondering if searches are or can be linked to previous address ? 2) the reason I ask is I have not applied for a new credit card with a certain lender this month but my partner has (we both live at the same address), this has now popped up as a soft search - do the agencies search the address, and or anyone ever linked to that address should this be anything to worry about?

[@wolfiejay4744]

My husband opened 3 current accounts in short space of time we didn't know a hard search would be made by the banks. Next month it will be a year since he opened the accounts and I've heard equifax remove hard searches after a year. But transunion after 2 years. Were both planning to apply for mortgage will we be rejected because of hard search

[@MHSefat]

Does a loan and 2 credit card affects credit score? Never miss any payment and credit card paying full each month.

[@GMltd]

Hi Andy thanks for your video, very useful infos. My situation is that just because I have opened a new insurance account my Experian credit score dropped by 50 points! How insane is that? I can’t believe that. I really want to recover it a bit and I have a Barclaycard which honestly I have never used before. I have one question, if I pay the Barclaycard statement in full right by the due date will it help to increase my credit score? Is it something that will drop my score even further at the beginning and then bring it back up though? Thanks in advance!

[@wowsuchname1939]

A great way I’ve got my score up in the past few years is PayPal pay In 3. I had an awful score and am nearing a perfect score pretty much solely from using this on a monthly basis. Couldn’t get a credit card originally and worked whilst my score was really low (not sure how PayPal are with new users though, I’ve been a PayPal customer for a long time.) it’s been super handy though has been a bit of a hit and miss as occasionally it dips the score by a small amount but goes up, watching this video makes it all make a lot more sense though!

[@adventuresofa9jaguy322]

Hello. I actually thought paypal in 3 was messing mine up. I paid everything two months before due date though

[@CalebADeakin]

Either pay pal or amazon pay in 5 with dome amazon products is great too

[@davierae1690]

I never knew pay in 3 helped with credit. I’ve been using it the last 12 months and it’s been a life saver.

[@likhan.ghosh.]

Looking forward to some good insider tips rather than the usual stuff about utilisation, searches and length of credit that you hear every other KZbinr regurgitate

[@BeCleverWithYourCash]

Hope it didn't disappoint!

[@AnEmperor-TheKingofTheKings]

🎉🎉🎉Excellent ❤🎉🎉🎉❤❤

[@peppesan86]

Andy, this video is simply pure gold! I’m trying to build a good credit history as I’d like to get a house in a relatively short time. I have a combined credit limit of roughly £5k and I was wondering wether I should increase my credit limit to show lenders that they could give me more money when it’s time to purchase a house.

[@BeCleverWithYourCash]

So glad it's been helpful. I don't think a higher credit limit will make much difference, unless you think it'll help reduce your credit utilisation rate

[@Ann-bm5qg]

It doesn’t work in your favour if you have a high percent of available credit you’re not using and you try and get more. I have decreased my credit limit on my credit card as I don’t use most of it.

[@omkarsubakade3020]

Does Pay monthly 12 or 24 months SIM only contracts help building the credit score?

[@user-po3uk8wy5n]

Very true

[@kawaiipieceofshit8965]

I used to keep changing address all the time, i hate staying in one place, and i used to change the electoral register each time i move because i heard being registered to vote is a good thing, i checked my credit score and the length of time on electoral register resets everytime you move, i never realised this before, i thought it stacked up :(

[@jorrigala]

Andy, 1. is opening Credit Card is mandatory to improve credit report ? 2. Does standing order from bank will also improve credit report (where one of the tenant agent doesn't have Direct Debt feature)

[@acmramon]

What do you recommend to check my credit score without affecting it and be safe? Ty

[@louminati4318]

I’ve registered to vote 4 months ago but it’s not showing up on my ClearScore account. No idea what’s going on.

[@jesse411]

Can I improve my credit 364? I’m scared becashe if how low it is and want to improve it fast

[@8kris8]

This days to be honest it’s quite difficult 😞 to Pay everything on time. As everything is very very expensive

[@olisal8566]

I’m getting a credit card soon to use for general daily expenses for the sake of racking up membership points. My partner will be given a supplementary card so that he can also help with racking up the points. I know for sure that we are both financially disciplined and will be able to pay off the monthly repayments on our credit and purchases. If we almost max out our credit, will our credit score drop, despite paying the credit card off every month without any default? If so, is it worth increasing the credit limit just so our credit utilisation will be at around 30%?

[@allenpeter5955]

I suggest you message *Leachtech* He's the right person for the job. I got my credit score boosted by him. He's such a genius. I can vouch for him.

[@allenpeter5955]

He's on lnstagram.

[@allenpeter5955]

Leach_techz

[@MP-ko8go]

So I have a shared account with my husband. And all our bills are on both of our names . But he has an amazing credit score and it is not that I have bad score but the app can't even find me in the system and see my score.Which means the system can't see me as a partner in payments all do I pay more then he does 🙈I'm quite angry and up set. Now I have probably a score like a 14 years old who never owned anything yet What's that and what do I do ?I'm desperate to have a purchase credit card and balance credit card 🙈

[@johnyramos8527]

I found this video too late, my bank sold me to the idea of a better credit card than the one I had and without knowing the impact I ask to close my previous long timer card ...I wish they and told the consequence...it ruined my credit 😒

[@nickya4363]

Hi Andy, how does Karlna and overdraft affect your credit score? How much effect will it have on your mortgage application?

[@kerr4926]

So I had been using klarna a lot last year and early this year. There were a few payments I didn't make on time and I've noticed my credit score has dropped. I don't know if it was klarna or something else that caused this but it most likely does affect your credit score like it would loaning or financing anything else.

[@Serge-qy1pq]

​@kerr4926 Yep, buy now day later providers like Klarna are dangerous. If you miss payments. In the future, just use traditional credit cards with a long interest-free period. But, keep your spending in check. By not regularly going above the 25% threshold. It shows to these credit rating agency's your too dependent on credit.

[@otherhumans6171]

Never Been on the electoral roll, and didn’t know it affects credit. You learn something new everyday

[@harveyestis2750]

Hi you need assistance?

[@harveyestis2750]

I would say I don’t know how I find you on KZbin, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *Web backdoors🕳️org* . I thank God for this wisdom. Bless you.

[@harveyestis2750]

You can also need to look their name up to see their website

[@Kyle-mo7bd]

Hi Andy, This might be a naive question, but I would like to know if fully paying off something could affect the buying protection you get from using a credit card. For example, say I paid for flights (not a package holiday) for a trip in a few months. I paid using a credit card and can pay it off now. However, I want to make sure I can charge back the flight money should covid restrictions prevent me from going and the Non-EU/UK airline takes the piss with a refund. Will fully paying off the flights now limit the buying protection I have? Thank you.

[@monk3yboy69]

Hi Kyle. The short answer is no. Any purchase made on your credit card is protected under the Consumer Credit Act. It does not matter if the purchase is paid off or not. That is the main reason for having a credit card . It protects you from bad retailers.

[@Kyle-mo7bd]

@@monk3yboy69 Thank you for clarifying this for me.

[@eden.e8863]

Questions for point number 2: Does that mean direct debit payments like Spotify, the gym or even an your own ISA are checked for if you pay in full on time? So missing one of these payments may affect your credit score? Point 4: For consistency - making a social media account or a new account with a shopping website, my email, number and address stays the same but sometimes i use my nickname or first letter of my name to protect some of my privacy.. will that affect my score? Or does this only apply to identity specific records like university and job applications?

[@chhitijpahari1011]

point 4 - identity specific records like university and job applications are only considred

[@eden.e8863]

@@chhitijpahari1011 thanks man :))

[@AtakanTekinak]

Recently moved to the UK and opened a current account. As I am not an UK citizen I am not eligible to vote. You mentioned in 1:15 that I can get this added to my credit file, how can I do this with TransUnion? They keep saying that they can't verify my identity. Should I just email them, or is there a better procedure to get my credit score/report updated/created?

[@PhilipMarcYT]

ClearScore (Equifax) is more accurate than CreditKarma (TransUnion), but still better than the useless Experian. I hate having to use q credit score as it feels it controls what I do and have to also keep a credit card. :-/

[@allenpeter5955]

I suggest you message *Leachtech* He's the right person for the job. I got my credit score boosted by him. He's such a genius.

[@allenpeter5955]

Leach_techz

[@stephenmurray2851]

What do you consider to be a good score?

[@Jur1_00]

Hi, my Experian credit score is at 851 and I don't have a credit card but want to get one, Do I have to only look at credit cards for building credit or can I look at others as well

[@jacintofernandes2907]

No need to build, your score is decent

[@Jur1_00]

@@jacintofernandes2907 thanks. I already got a credit builder's card but that's fine

[@doctormako]

What do you think about LoqBox for a new UK resident?

[@harveyestis2750]

I would say I don’t know how I find you on KZbin, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *Web backdoors🕳️org* . I thank God for this wisdom. Bless you.

[@harveyestis2750]

You can also need to look their name up to see their website

[@salmatasheik6736]

Hi so if u yes 30 dollars on ur credit card, n pay the 30 dollars right back, does that help your score?

[@PhilipMarcYT]

It does and you won't be penalized.

[@stephenyates6814]

How about using your credit as your daily spend method? I use my credit card as my monthly spend budget but pay it off at the end of every month in full. Can doing this negatively impact my credit score in the long run? I’ve been doing this for 5mth now and my score has gone up across all 3 CRA but will it impact my score over a longer period of time?

[@allenpeter5955]

I suggest you message *Leachtech* He's the right person for the job. I got my credit score boosted by him. He's such a genius.

[@allenpeter5955]

He's on lnstagram.

[@allenpeter5955]

Leach_techz

[@Humanitysfuture]

I have been trying to find a way to get a late payment removed from my credit file, there are loads of US videos about this but nothing from this country. Please can you advise? Thanks

[@GurmitGill-bk5jv]

16:30 days till I

[@trendybytyana2146]

I have never had a credit card before and I only need one to get a good credit score by the end of the next year. From my understanding from this video, I need to use under 30% of my limit and pay in full as soon as possible. Is there any card that doesn't charge me any rate if I repay it immediately? Sorry if my question sounds stupid, but I am a newbie.

[@ZOMBIE2LIFE]

You only get charged interest if you miss your payment due date.

[@monk3yboy69]

And you will be charged interest on not paying off the full balance. This is where the CC companies make their money and this is where customers get into trouble. So pay a card off IN FULL AND ON TIME to avoid charges.

[@DarrenWhittington]

You missed credit utilisation, transunion mark you down if you utilise more than 25% of your availibe credit on cards.

[@allenpeter5955]

I suggest you message *Leachtech* He's the right person for the job. I got my credit score boosted by him. He's such a genius. I can vouch for him.

[@allenpeter5955]

He's on lnstagram.

[@allenpeter5955]

Leach_techz

[@biggers5752]

I had this happen to me with an Ex girlfriend with a mobile phone contract....terrible. but a big life lesson

[@FrozenHero2010]

CREDIT UTILISATION: Let's say I have a £10k credit limit and borrow £5k. As you say, that's 50% credit utilisation. BUT suppose I then pay off the £5k by the due date and leave a zero balance on my account. Does that help or hinder?

[@PRINCESSGEMINI1987]

Helps, as it should you are good with credit (pay the credit card off).

[@LilySaintSin]

Ideally your credit utilisation should be under 25%

[@davidbowie2046]

Sick of my credit score going up and down. I've cancelled two of my four credit cards as they said i wasn't utilizing much credit. I have a decent amount of savings and pay off any credit pretty quickly. So, I say sod em and dont worry about it anymore.

[@allenpeter5955]

I suggest you message *Leachtech* He's the right person for the job. I got my credit score boosted by him. He's such a genius. I can vouch for him.

[@allenpeter5955]

He's on lnstagram.

[@allenpeter5955]

Leach_techz

[@diamondwest35]

The UK credit system needs to be revised. Its outdated and disproportionate.

[@MIMI232]

I’m not sure if you addressed this or not. however I wanted to ask is it advisable to get a credit card with the same bank that you have your current account? Or is it advisable to get a credit card with another bank? Also, how much is a good balance to apply for & how much to use monthly to improve credit to get a mortgage? Thank you in advance

[@massurname7940]

These do not matter at all. It does not play any role in improving your score or increase your afordibiity. What type of credit card you hold, which bank is it with and how much the limit is does not matter, As long as you MANAGE it well and pay off the full balance each month. I am speaking from a place of experience. I used to have more than 5 credit cards and credit limit of over £20k. I was trying to pay off my debt for over 10 years and have read every trick and tip thats out there. So just apply for any credit card with any bank as long as the interest rate is low. Each month pay off the FULL BALANCE or At least minimum payment and you shall see increase in your credit score.

[@MIMI232]

@@massurname7940 Thank you for taking the time to reply & to give me a detailed breakdown. It is much appreciated, I will aim to implement your tips when I do get a credit card & hopefully my credit score will increase. Thanks again

[@kld5617]

Can I just ask if you apply for a credit card and start paying the balance off In full every month how long does it take for yiur score to improve mines stayed the same for months

[@adventuresofa9jaguy322]

@@massurname7940 So if i continue using a 1k cc, it makes no difference from a 5k one?

[@RaitisKupce]

What is too much of large amount of credite available ?

[@monk3yboy69]

I have £39000.00 of available credit across my 6 credit cards. My credit score is excellent ( 976) on CreditExpert. I spend on 1 main card monthly and pay it down in full. Any card that gets spent on will get paid in full when the statement arrives. So too much available credit is a bit of a myth.

[@chetzh6172]

Hi Andy… Can we apply to The other Credit score agencies to find out our credit score. Went to SCS Sofa’s… The sales guy didn’t notify me which credit agency has rejected us buying the sofa. Please help… Me and my wife are always on time paying all our bills. I can’t still believe we have been declined.

[@BeCleverWithYourCash]

Sadly not, it'll be based on the lender the sofa company uses (rather than the sales man himself). I'd check all three reports though to make sure there's not a glaring error on one which could be the reason.

[@Mr-Safology]

Hi, just an enquiry. What tips would you share, for people with no credit score. As in, starting from scratch?

[@allenpeter5955]

I suggest you message *Leachtech* he's the right person for the job. I got my credit score boosted by him. He's a genius.

[@allenpeter5955]

He's on lnstagram.

[@allenpeter5955]

Leach_techz

[@Mr-Safology]

@@allenpeter5955 Thanks Allen, I truly appreciate it 🙂

[@mukhtarhussaini5062]

Nice 🥀🥀🥀🥀🥀👌👌

[@DoctorRetina]

I have just moved out from my parents house. I have one bank account registered at my old address and one registered at my new address. My credit rating is terrible at my new address but great at my parents house thoughts?

[@BeCleverWithYourCash]

You shouldn't have different credit scores based on your address... do you mean it dropped a lot when you moved? A few things could be making an impact. One, did you have to get new bills sorted? Things like energy and insurance direct debits will have required hard credit checks, which will knock your rating. You'll also need to change all the old addresses to the new one, otherwise the inconsistency will hurt your score

[@DoctorRetina]

@@BeCleverWithYourCash So at my old address the eligibility checkers are saying I'm 8 out of 10. At my new address is giving me a 2 out of 10. Yes, lots of direct debits and one bad debt at the new address and only a 20 year old bank account at the old address. Should I use my old address to secure credit cards etc?

[@AdamTheHammer]

i really need some help here im at the end of my witts, i opened a loqbox account and paid the whole year on time, and never missed a payment, when the year was over instead of getting a promised increase they take 89 points away from me and im baffled as to why and they dont want to give me a reason why, i understand it isnt your place to give advice but if anyone could shed some light on this matter id be very greatfull, its got me so depressed to the point im questioning why im even bothering to increase my score anymore

[@allenpeter5955]

Same exact thing happen to me but lucky me I got mine fixed by someone. Why not send him a message request if he can be of help.

[@allenpeter5955]

He's on lnstagram.

[@allenpeter5955]

Leach_techz

[@davierae1690]

I’m glad I read this comment this morning. Was just about to open. Low box account. Your comment was 6 months ago, how are you getting on now Adam?

[@AdamTheHammer]

@@davierae1690 it's still down but I have learned that the score is only for you. Lenders don't look at your score they only look at your borrowing history to determine wether or not you are reliable. To pay it back. Apparently your score Always goes down when taking credit and will go up over time. But I'm yet to see an increase

[@helyahamzeh1370]

🙏🙏🙏

[@DSUNMoneyALLGONE]

How can I get my first credit card in the UK?

[@PhilipMarcYT]

Sign up?

[@Kismanpoon]

By applyong for one 😂

[@rafaeldavid8398]

Don't waste your time opening an account with Experian. They'll do nothing for you rather proving inaccurate information about your credit which I assume they also send to the lenders.

[@allenpeter5955]

I suggest you message *Leachtech* He's the right person for the job. I got my credit score boosted by him. He's such a genius.

[@allenpeter5955]

He's on lnstagram.

[@allenpeter5955]

Leach_techz

[@christopherhubbard602]

What happens if you have a credit card and it's never used

[@BeCleverWithYourCash]

The unused credit limit will factor into the overall credit utilisation, so it could help your score. Or it could be lenders think you have access to too much credit and hurt your score!

[@christopherhubbard602]

@@BeCleverWithYourCash I am glad I don't have a card

[@Justisjustin]

Your paintings are wonky mate

[@hedwigwendell-crumb91]

I have a credit card with £2000 limit and was told to only use £100 every month to keep my credit score healthy! What the hell? Does not make any sense. I pay it off in full every month so it shouldn't matter. I don't even need a credit card and only have one to raise my credit score after I purchased a house! Stupid rules.

[@BeCleverWithYourCash]

Yeah, that's quite low. You could afford to spend more on it each month, up to £400 or £500 to stay under 25% utilisation. But only if you need to!

[@PhilipMarcYT]

If you allow, credit score controls and dictates how you live your life. Don't fall into that trap.

[@MENSA.lady2]

Do you write your own comments ???

[@doctormayers9368]

Can I jump from 418 score to 800s in 14days?

[@MayorSom]

Avoid these BNPL products, I’d clearpay and my credit files showed how many BNPY I’d

[@marcusknow6787]

U can not fix your credit report it’s a load of bullshit, I missed out one payment of a bill over 20 years ago & I am still black listed it’s a load of bollocks

[@allenpeter5955]

I suggest you message *Leachtech* He's the right person for the job. I got my credit score boosted by him. He's such a genius.

[@allenpeter5955]

He's on lnstagram.

[@allenpeter5955]

Leach_techz

[@NoloshaCusub0]

That's incorrect as it would only show on your credit report for 6 years, after this time, there's no record of the missed payment.

[@ksspqf6016]

It's so braindead to only be able to use some of your credit limit if you want a good credit score

[@svenkamog2232]

It's all fine and dandy until you decide to stop playing ball ⚽ and don't do exactly what society demands from you...