Check out your insights
Our 'Insights' tell you what could be affecting your credit report and score. They also give you easy-to-action tips on how to improve and tell you what you're doing well on.
Manage your debt responsibly
Pay on time and in full and keep your credit use as low as you can. Lenders will see you’re able to manage your finances sensibly and aren’t relying on credit alone.
Build your credit history, if you don’t have one
The easiest way to do this is by getting and using a credit card. Try to spend a small amount every month and pay it back in full by setting up a Direct Debit.
Confirm your identity
You can do this by registering for the electoral roll at your current address. This helps lenders check who you are – having a fixed address makes you look like a reliable person to lend to.
Keep your information up to date
If there's something that doesn't look right or is missing from your report, you'll need to get this fixed. Try getting in touch with the bank, lender, local council or court first (if you haven't done this already) and then with Equifax using our dispute form.