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

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