5 tips to boost your credit score

Understanding how your credit score is calculated and what you can do to take care of it, can be difficult. We’ve put together our top five tips that can help you boost your credit score.

1. Using some credit

To impress a potential lender, you need to have a track record of using, but not being overly reliant on, credit. Paying your credit card, mobile phone or utility bills on time all help to show this.

2. Registering to vote

Lenders use the electoral roll to confirm names and addresses. Not being on it can reduce your credit score, or cause delays when applying for a mortgage.

3. Checking credit report

Update your credit report before making an important application and dispute anything you don’t agree with.

Having lots of credit checks on file impacts a credit score, so you need to make sure that you’re not applying to lots of different lenders for credit products.

4. Breaking old financial ties

If you’ve applied for a financial product with a partner or friend in the past, potential lenders will see this link and may consider their credit score as well.

5. Explaining unusual circumstances

If you’ve missed a payment or got into financial difficulties because of illness or redundancy, a ‘Notice of Correct’ can be added to explain this to lenders who view your credit report.

If you have any questions, or you’re looking for sound financial advice, contact us here or pop into your local branch, kettles on.

You’re in safe hands

Trust our team of local experts to provide the best advice on a wide range of legal and financial issues whenever you’re facing a life change and need the best support.

0800 389 2939

Our team are available, weekdays 8am-8pm & Saturdays 9am-1pm

Find Your BranchMEET THE TEAM

She'll be glad you planned ahead

Organising your finances today, while planning for the future can be a challenge. We’ll put the kettle on – and take the pressure off.


You'll know when it's time to talk

From making a will, to matters of business law our qualified solicitors can offer advice and guidance. Pop in for a chat or call us to make your free appointment.


Sign up for our newsletter

Your details

No charge. Cancel anytime. We value your privacy and will not share your details.

© Poole Townsend 2017 - 2018. All rights reserved.
Poole Townsend are Independent Financial Advisers authorised and regulated by the Financial Conduct Authority. Authorised and Regulated by the Solicitors Regulation Authority No. 00076553.
Poole Townsend Estates Limited
incorporates our Estate Agency and Conveyancing services
Poole Townsend Estates Limited (Company No: 10960705) is a company registered in England & Wales with its registered office at 69-75 Duke Street, Barrow in Furness, LA14 1RP. A list of directors is available at the registered office address. Regulated by the Council for Licensed Conveyancers to provide Conveyancing Services. (Firm no 3438). We are also members of the National Association of Estate Agents. Our Estate Agency is a member of the Property Ombudsman Scheme
Please click here to see the CLC Handbook.
Professional Indemnity Insurance – please contact Martin Oates at the address above if you require details of the cover held.
Registered with the Information Commissioner’s Office for data protection purposes (ICO No: Z5054999)

Book Your Free Valuation

Fill out the form below and we'll get in touch to arrange your free valuation.

Your Details

We value your privacy and will not share your details.