3 Simple Ways to Boost your Credit Score

Posted on Aug 29, 2025

We’ve pulled together 3 simple ways to boost your credit score, because our credit score plays a big role in your financial wellbeing. A strong score can mean:

• Lower interest rates on loans or credit cards
• Better mortgage deals
• More affordable insurance

But if you’re not keeping an eye on your score could miss an opportunity to make it stronger, or you could miss a dip. With the rising cost of living, staying on top of your credit score has never been more important. Here are three simple steps to help keep your score healthy.

1. Check Your Information

First things first, you should make sure the details on your credit report are accurate and up to date.

• Double-check your name, address, and date of birth.
• Look out for errors, such as a payment marked as “missed” when you know you paid it. You can request a correction with the credit reference agency.
• Being on the electoral roll can also give your score a boost. [Register to vote here].

Not sure where to start? You can check your score for free here.

2. Build Your Credit History

No credit history can sometimes be as tricky as a bad one, as lenders simply don’t have enough information about you. If you’re planning for a big purchase in the future, like car finance or a personal loan, start building your credit early:

• A small Personal Loan, and repaying on time, will build your credit history and make lenders trust you from the get-go.
• Consider a starter credit card and make small, manageable purchases.
• Repay in full or on time each month to show you can handle credit responsibly.
• Always borrow only what’s affordable for you.

3. Always Repay on Time

Missed payments stay on your credit file and can seriously impact your score. Even paying the minimum payment on time is better than missing it altogether.

Lenders will look at your history when you apply for loans, cards, or car finance — so staying on top of payments makes you a safer bet.

Keep Credit Utilisation Low

Keeping your credit utilisation low means keeping the amount you owe, lower than your credit limit. We understand from time to time, we all need to borrow. Keeping your credit utilisation low shows lenders than you are managing this well and aren’t overspending. Example: If your credit card limit is £1,000 and you spend £950, your utilisation is 95% which might be too high for some lenders.

By checking your information, building a solid credit history, and always paying on time, you’ll be well on your way to a healthier credit score — and better financial options in the future.

If you’re looking to build a strong credit history, our loans could be just the solution. Designed with members in mind, they let you borrow responsibly while keeping your finances under control. Whether it’s for everyday expenses, a home improvement project, or planning for a larger purchase, our loans offer affordable rates and flexible repayment options to suit your budget. By using a credit union loan responsibly, you can strengthen your credit record and gain greater financial confidence over time.