How to improve your credit score

A good credit score can mean you qualify for cheaper rates on things like loans, credit cards, mobiles and mortgages. See how to improve yours.

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Why your credit score is so important when borrowing

A good credit score shows you’ve managed credit well in the past, such as repaying a loan or credit card on time. This means you’re far more likely to qualify for the cheapest interest rates and have access to more offers.

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How to check and improve your credit report

Three agencies hold your credit report - Experian, Equifax and TransUnion - so it’s best to check all three well in advance of any application. There’s no cost to do this and you might be able to spot ways to easily improve it.

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Applying for credit

If you’re happy your credit report is good and you need to borrow, the next step is to work out what to apply for.

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