Your credit score is something that builds up over time. You won’t always see a boost every month.
Not having different types of credit accounts and products could be one of the reasons why your score stays the same for a long time.
Credit reference agencies (CRAs) get information from your banks, lenders, courts and local councils. Lenders usually send information to CRAs once a month, and sometimes longer. This means updates can take up to 5 weeks to show on your report.