Improve your Credit Rating

  • Find out why you have a poor credit rating.
  • Register on the electoral roll (if eligible).
  • Don’t exceed any credit limits you have.
  • Never give false details on applications.
  • Help repair credit history with a Vanquis Visa Card.

 

Find out why your credit rating is poor

When looking to give your credit rating a fresh start, the first step should be to see why your credit rating is poor. If you aren't sure why you have a bad credit rating, ask for your credit reference file here.

A Vanquis Visa Card can help you repair credit history or if you have little credit history or are new to credit then applying and using a Vanquis Visa Card responsibly can help.

Once you know why you have a bad credit rating you can start looking to improve it. These steps could help improve your credit score:


Register on the electoral roll

Always pay your bills and any credit you have taken out on time. Meeting credit obligations on-time helps improve your credit history and build your credit score.


Pay bills on time 

If you are eligible, get on the electoral roll. It only takes a few minutes to register with your local council and is an easy way to build your credit score.


Don’t exceed any credit limits you have 

Ensure you do not exceed any credit limits you have as this can affect your credit history.


Never give false details when applying for credit 

Giving false details when you apply for credit may lead to criminal liability and is likely to adversely affect your credit rating


Build your credit history with a Vanquis Visa Card 

Follow these steps to build your credit history and when you check your credit reference file in the future you should enjoy an improved credit rating.


How can I improve my credit rating if I can’t get credit? 

We designed our Vanquis Visa Card especially for people like you. Even if you've been turned down elsewhere, have a bad credit rating or are new to credit, we might still be able to help. If you manage your card by keeping to your limit and staying on top of your payments, you'll be able to improve credit rating scores and build credit history and improve your credit rating for a brighter financial future.

How Credit is Calculated

Credit Score, White List, Black List - There's lots of misconceptions about how a Credit Rating is calculated, find out more about the subject in our guide.

Find out more

Build your credit with a Vanquis Credit Card

  • Manageable starting Credit Limit of between £150 and £1,000^.
  • You could get Credit Limit increases every 4 months up to £3,000*^.
  • Exclusively UK based Customer Service.
  • Online account servicing & SMS alerts.

Representative 39.9% APR (variable)

World Vanquis credit card with slant mirror effect