Improve your credit rating

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 score, ask for your credit reference file here.

A Vanquis Visa Card can help you repair a poor 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 score you can start looking to improve it. These steps could help:

Register on the electoral roll

Get on the electoral roll. It only takes a few minutes to register with your local council and is an easy way to help your credit score.

Pay bills on time

Always pay your bills on time. This 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 is likely to adversely affect your credit score.

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, 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 build credit history and improve your credit rating for a brighter financial future.

Apply for a Vanquis Visa Card here