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

#Creditscores #creditreport #creditrating

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A B O U T A N D Y

DISCLAIMER
Content in these videos does not constitute regulated financial advice. Any offers mentioned were correct at the time of filming.

[UKSriLankanApi]

Great video Andy. Very useful for everyone.

[hedwigwendell-crumb]

Andy is not like other YouTubers. He is awesome.

[vidyabvidyab]

very good information.thank you so much

[MrHakan]

Great Informations Thank you so much for your effort

[massurname]

Supper simple and informative! thank you for this lovely video

[kevinsavage]

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.

[SAbdi-hdld]

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.

[wowsuchname]

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!

[hedwigwendell-crumb]

Very helpful video Andrew. Thank you 👍🏽

[danhunt]

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

[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 🙏

[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?

[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.

[blogtips]

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?

[peppesan]

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.

[KasMack-nuoc]

Good information but to late for me i am the one in the is problem how i can fixed it please

[AdrianProPainter]

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

[stephenmurray]

What do you consider to be a good score?

[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 YouTuber regurgitate