How to improve your credit rating

Action Plan:

Action Plan Resources Q&A Tips Journal Successes Discuss

Action Plan Overview

We explain exactly what your credit report tells lenders about your financial past, why it's important & how to improve your credit rating, even if you think you have a poor credit score.

		a	Find out: What is a credit report?
		b	Find out: What information does your credit report contain?
		c	Find out: What doesn't your credit report tell lenders?
		d	Find out: What is your credit report used for?

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		a	Do: Dispute incorrect information on your credit report
		b	Do: Amend any incorrect CCJs
		c	Do: Update your credit report if you've had a bankruptcy annulled
		d	Do: Financially disassociate yourself from ex-partners
		e	Do: Clear up any identity confusion
		f	Do: Explain any missed repayments
		g	Do: Report suspect activity on your accounts

		a	Do: Register your details on the Electoral Roll
		b	Decide: Should you get a landline phone to help improve your credit rating?
		c	Decide: Should you cancel credit facilities you don't use?
		d	Do: Make repayments on time
		e	Do: Get smart with your credit applications
		f	Find out: How can you build a credit rating from scratch?

		a	Do: Organise your personal paperwork
		b	Do: Protect yourself online
		c	Do: Stay vigilant
		d	Do: Make yourself fraud-score friendly

		a	Do: Apply for your credit report
		b	Do: Check the details on your credit reports
		c	Do: Make a list of any errors on your credit report

		a	Do: Inform lenders about personal tragedies
		b	Do: Inform lenders when you change address
		c	Do: Inform lenders if you get married