Credit

Your credit report is the key to your credit rating, because lenders use it when they decide whether to make you an offer – so it’s crucial that it is up to date and accurately reflects your circumstances.

If you’re looking to improve your credit rating, chances are you have reason to believe it’s not as rosy as you’d like.

Whether this means you’ve been turned down for credit or you’ve taken a look at your credit report and faced a few home truths, congratulations on taking the first step towards improving your credit rating.

While you can’t undo the facts on your credit report, you can correct misinformation and take steps to clarify and add to the information that’s already there.

You can also cultivate some simple habits that can help you keep on top of your credit report and improve your credit score over the longer term. The stronger your credit report and the higher your credit score, the more likely it is you will be able to get affordable credit when you need it.