Improving Credit Rating (11 replies)

Looking for some guidance here;

How do you improve credit rating??

I've just looked at Noddle and i have a rating of 1/5 and a score of 515 when UK average is 615.


What makes Credit Ratings improve?!

I have a Credit Card which i used to make a biggish purchase last year and pay it back as a direct deposit each month (more than the minimum balance). It says that 4 months of 2015 were under query, this was when i booked a holiday, the payment went through but the booking didnt so i had to report it to get a refund. £3k only owed.

I have a mobile phone contract which says all paid, except for one month under O2 it says payment was a month late, this was after i cancelled my contract and paid it off but didnt realise i still had the final month to pay so cancelled direct debit, but paid that when i realised a week later.

No CCJs

No loans

Nothing else to it