If you have been experiencing problems with credit there are a number of ways in which you can improve your credit score and in turn improve the lenders view of you. Are you a Registered Voter? Not on the Electoral Role? It you are not listed it is most unlikely you will get any type of credit. Go and register without delay. If you are a Foreign National you should provide credit reference agencies ‘Proof of Residency’ and apply for this to be attached to your credit information. Don’t forget to ask the credit reference agency to
verify this.
How many credit applications have you applied for? If you are apply for many different types of credit in a short period of time may hurt your credit score. If you are applying for a Credit Card, Mobile Phone Contract and a Mortgage all at the same time … Don’t. Space your applications out over a sensible period of time.
Other Information
If you are moving house, about to take time off work or about to be made redundant make sure you note this on any credit application if asked. If you lie on an application not only will you not get credit it will seriously harm your chance in the future.