Improve your credit rating | NatWest

Add your signposting title here… Improving your credit rating

If you’re worried about your credit rating being a barrier when it comes to asking for money, there are some very simple ways to improve it.

  • Consistently pay all bills on time
  • Close accounts associated with unused credit cards, direct debits and mobile phone contracts
  • Get yourself registered on the electoral roll
  • If you don't have a credit card, get one. Make a couple of small purchases with it each month, and repay the balance on time
  • Pay off more debts and, if possible, pay more than just the minimum amount allowed
  • Don't fudge the numbers. Refrain from taking liberties with the truth, as this could damage your reputation in the long term
Add your signposting title here… Things to remember

It’s worth reviewing and assessing your credit score prior to applying for any sort of loan. It’s your legal right to get a copy of your own credit report, and generally getting hold of one from a credit reference agency costs very little or is free. Make sure that everything measured by the report is accurate; if it isn’t - and you can prove it - ask your chosen credit reference agency to amend the necessary details.

Set Tab for lightbox