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Van Advice

How Do I Improve My Credit Score?

Vanaways
Lee
21st Sep 2021
How Do I Improve My Credit Score?

Having bad credit doesn’t have to stop you from important things in life like buying a house or getting a car. There are ways to improve a credit score so if yours has been lacking, we’ve put together a list of tips to help you. Whether you’ve been rejected from credit in the past or your score is low, here’s how you can improve your credit score to help you gain finance for the things you need.

Register to vote

One really simple way to boost your credit score is by registering to vote. If you’re not on the electoral roll then you may not have any credit at all, as this is what proves you live at the address given on the application. This is a key part of identity checks that lenders will carry out and can boost your score by up to 50 points.

Check your credit report regularly

Your credit file contains a lot of data about you that may potentially contain mistakes. If you aren’t regularly updating your report, you may make a credit application only to be refused because the information on record was wrong. You should check your information with the three main agencies (Experian, TransUnion, and Equifax) and correct any mistakes.

Stay on top of rental payments

Renters often end up paying more than homeowners but still find it difficult to prove they can make payments on time. To stay on top of this, make sure all your rental payments are made on time so that it doesn’t lead you into any issues further down the line. Forgetting a payment can lead to bad credit, even if you have the money in the bank to pay.

End financial associations with others

When you live with someone and open a joint account with them, you become financially linked to that person. This could be an ex-partner or an old housemate. If you pay bills on behalf of your housemate, don’t take the fall for their inability to keep up with payments. If you’re no longer with an ex-partner but you had joint accounts, you can ask the three main credit reference agencies to break this link so that their financial situation doesn’t affect yours.

Use ‘soft searches’ for new credit

Applying for credit means a lender will perform a ‘hard credit search’ to check your eligibility. Every time this happens it leaves a footprint on your credit file which is visible to other lenders. It’s worth asking lenders to perform a ‘soft search’ so that it doesn’t make an impact every time someone checks your credit.

Car leasing credit score

In order to lease a car, you'll need a good credit score and the lessor will most likely run a credit check against you. If you’re wondering ‘can car leasing improve my credit score?’ Just like any monthly payment such as car insurance and a mobile phone contract, car leasing can help you build your credit score by proving you are able to make regular payments on time.

Driven Leasing is a leasing broker offering new cars and vans, providing a simple and convenient way to drive a car you love. Get in touch with our team for more information.

Vanaways Reviews

   
Mark Carter

Mark Carter

01 April 2025

"First class service, I must mention Adrian & Ash on an excellent deal & swift turn around under the short notice I had to buying a new van. Slight delay in the delivery of the van from manufacturers end but Adrian agreed to cover the cost of a hire van until my new van was delivered which allowed me to continue working. its the first time i've purchased a van without physically entering a dealership and i wouldn't hesitate to do it again."

Jackie Lee

Jackie Lee

28 March 2025

"Excellent service from start to finish. Jake Wheelock was professional, efficient and really genuinely helpful. Had my truck in less than 2 weeks. Great communication and reliable. Would highly recommend!"

Zoe Batchelor

Zoe Batchelor

17 January 2025

"Love the van, Perfect as the spec I ordered, Saving up for the next one, thank you Adrian and Team, Boyd Batchelor, Tillage Nurseries"

Rob De-Ath

Rob De-Ath

18 June 2024

"Purchased my new ford platinum and Theo brown’s help was 1st class . Quickly responding to all emails and calls answering anything I needed to know to help get my deal over the line . Thank you again Theo I be back in touch at Christmas with my next order 👍😊"

Jessica Allard

Jessica Allard

11 March 2025

"From start to finish Morgan and the team have been fantastic in sorting 2 new defenders out for us from the quote 3 weeks ago to them being delivered they have been brilliant the deal they got us was unbeatable thank you Lewis @ steve Allard and son stonemasons"

4.9 out of 5 from 445 reviews
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