CREDIT SCORE TIPS

REGISTER on the electoral roll where you live.

CHECK there are no mistakes on your credit file. Do this for free using Clearscore, MoneySavingExpert’s Credit Club and Noddle.

SWITCH some of the households bills into your name and take out a monthly mobile phone contract. Never miss a payment.

OPEN a current account. If you are given an overdraft, stay well below the limit.

YOUR bank may offer you a credit card to help improve your score. Always clear the balance in full each month to avoid paying interest.