To improve your credit score:
- Understand what factors can affect it. There are a number of factors that contribute to your credit score - you can learn more about these in the 'Insights' section of your report. For more information on insights, have a read of this FAQ, and you can find out more about factors that affect your score here.
- Manage your debt responsibly. That means always paying on time and in full, and only using a small percentage of your available credit. This will prove to lenders that you’re able to manage your finances sensibly and aren’t overly reliant on credit.
- Build your credit history (if you don’t have one). The easiest way to build your credit history is by using a credit card. Try to spend a small amount every month and always pay it back in full. This will show up on your credit report and prove that you can manage your credit responsibly.
- Verify your identity by registering for the electoral roll. This simply means registering to vote at your current address. This will help lenders verify who you are and you’ll be in good shape to get the credit you want.
- Correct any incorrect or missing information. If there's anything showing incorrectly on or missing from your report, you'll need to get this fixed as soon as possible. Get in touch with your lender first and then Equifax using our dispute form.
To successfully raise a dispute, you’ll need to have verified your email address on ClearScore.
To verify your email address:
To verify your email address:
- Go to the ‘Your details’ tab of your ‘My Account’ section.
- Select ‘Verify’ to be sent an email with a verification link.