Joining the electoral roll if you’ve moved into student accommodation, or a shared house, is an easy way to boost your credit score. You can do this online and you may even be able to register two places – your address during term time and your home address.
​

One way to help build your credit rating is to pay your bills on time. Late payments could have a negative impact on your credit score.
​Direct Debits and standing orders can be a useful way to make sure your payments are made on time. You can schedule them to happen so the money is moved without you needing to do anything. Not paying your monthly Bunch payment could negatively impact your credit in the future.

If you get rejected for finance it may seem tempting to apply again or try another provider, but you should resist doing this. Making multiple applications will be recorded on your credit file and can affect your credit score.

Explore: What to do if you’ve been declined for lending

If you’re wanting to see what rates and types of finance you’d be eligible for, use eligibility sites that leave a soft credit footprint. A soft footprint won’t be seen by other lenders and can let you see what you’re more likely to be approved for.

You can check your credit report at one of the 3 major UK credit reference agencies (TransUnion, Experian and Equifax) to see if all your details are correct. There may be a small fee for doing this, but it can be useful. You may also be able to query anything on your credit file that you don’t agree with.

Checking your own credit report won’t affect your credit rating or credit score.