Improving a poor credit rating takes time and discipline so the sooner you start the better. Here are some tips to help you along the way:
Check your credit report for the things that are counting negatively against you
Check your credit report for any errors in case something negatively affecting your credit score is incorrect
Pay your bills on time (you may be surprised at what gets reported to credit agencies so make sure your payments are up to date)
Pay off existing debt
Do not apply for new lines of credit as searches show up on your credit file and may count negatively towards your score if there are too many searches in a short period of time.
Find a guarantor with good credit that will cosign on a loan or line of credit
Sign up for Wollit Credit Builder