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Bad credit rating – How to improve credit rating

Do you have a bad credit rating, or are you looking for how to improve credit score?

If you have a bad credit history you need to give your finances a makeover to be in with a chance of passing a credit check and getting your credit applications accepted.

Your credit report gives you a snap shot of your financial history and will show you what you owe and how well you’re managing your repayments, which could help you to identify problem areas.

Get your credit report with uSwitch

Compare credit reports from different providers to see your credit history and score.

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You can check your credit report online with a free 30 day trial of CreditExpert from Experian. Some credit cards designed for people with bad credit may include this, so it’s worth shopping around.

Best credit rating

Our top tips to improve credit score:

1. Identify which debts are costing you most and look for ways to reduce them.

2. Close down any credit accounts you aren’t using, register to vote at your current address and correct any errors on your credit report – it could help to improve your rating.

3. If you are really in trouble with debt there are plenty of places you can go for expert help including Citizens Advice, National Debtline and the Consumer Credit Counselling Service.

4. Sign up for an online credit check (see table above) to see what’s causing you to have a bad credit report.

A bad credit report could come as a shock, but there are products such as credit builders that aim to improve how your credit rating appears to credit reporting agencies. It’s important to stay on top of it and make sure it doesn’t get any worse.

CompanyPriceOther information Apply
30 day free trial
£14.99 a month
Freephone UK call-centre
Email & SMS alerts
30 day free trial
£7.99 a month
Three credit agency checks
Debt advice centre
Identity theft protection
£19.99 One off credit report check
No monthly subscription
30 day free trial
£7.99 a month
Unlimited credit report access
Alerts and tools
Support to improve credit rating
7 day free trial
£14.99 per month
Daily web monitoring
Instant identity notifications
Unlimited credit report access
30 day free trial
£14.95 a month
Weekly alerts
Customer support team

Read more…

• Refused credit? – What to do Find out what your next steps are if you’ve been refused credit
• Unused credit cards – Learn about the possible risks behind having too many credit cards
• Get the right credit card for your credit rating – Find out which card is the right match for you