To access the best mortgage deals it is important to have a a good credit score score. You can check your credit score for free with one of the main three credit reference agencies in the UK: Experian, Equifax and TransUnion. You can use your report to identify areas that you need to improve.

There are numerous actions you can take to boost their get, also making certain any expense are reduced promptly and you can cutting your debts.

Read our ultimate guide to replace your credit rating for the full lowdown. We’ve also put together a 12-few days plan to a better credit score, which breaks it down into easy-to-follow steps.

5. Sign in to vote

Before you make a mortgage application, make sure you are on the electoral register as this can improve your credit score by around fifty issues. It also allows lenders to check that you are who you say you are and make sure the details on your application are accurate.

If you are not registered to vote, you can sign up online. It only takes about five minutes and you’ll need your National Insurance number to hand. Check the Government’s website to see if you are qualified.

six. Keep your costs costs

Another essential action you can take to increase your credit score and you can chances of getting your app acknowledged is always to keep expenses payments.

Lenders will check your credit report to see how you’ve managed your finances in the past and use this data to predict your future behaviour. Missing just one payment can knock off around 130 facts from your credit score. But if you have a good credit score and a solid history of repaying your bills on time, this will work in your favour.

Ideally, you want to pay your credit card balance off in full each month to avoid all interest and charges. (more…)