How can I improve my credit rating?

No one is automatically entitled to credit. You can ask the bank or building society why you have been turned down for credit, although they are not obliged by law to give you a reason.

If you made mistakes in the past, suffered from illness, divorce or redundancy

There are some things you can do to improve your chances of getting credit.

1. Get a copy of your credit file to make sure your details are correct.

2. Make sure your name is on the electoral roll.

3. Pay your bills on time to build up a good credit history

Financial products suitable for people with low credit scores