Improve credit rating

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We've already ACCEPTED over 1.8. million people

How do I improve my credit rating?

Find out why you have a poor credit rating.
Register on the electoral roll (if eligible).
Pay bills on time.
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

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.

Pay bills on time

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.

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.

Apply for a Vanquis Visa Card

Build your credit with a Vanquis Bank Card

You'll start with an easy to manage credit limit between £150 and £1,000.
You could get a Credit Limit increase on your 4th statement. Conditions apply see below*
And further increases every 4 months, up to £3,000. Conditions apply see below*
A friendly UK Customer Service call centre.
Online and SMS Account Management.

Representative 39.9% APR (variable)

* To be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going over your limit, and not taking on too much debt elsewhere. This is only a guide and meeting these criteria does not guarantee you a credit limit increase.

Important: Credit is subject to: status; telephone contact; confirmation of name and address; not already holding a credit card issued by Vanquis Bank; no reasonable suspicion of fraud, and is only available to UK residents who are at least 18 years of age and are not legally restricted from obtaining credit e.g.because of bankruptcy. Please read the Summary Box and Terms and Conditions for full financial details.

Vanquis Visa Card is issued by Vanquis Bank Limited. Vanquis Bank can be contacted at its registered office, which is at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Registered number 02558509 England. Consumer Credit licence number 532364. VAT number 180555952. Vanquis Bank Limited is authorised and regulated by the Financial Services Authority.