A number of factors make up your credit score and how each Credit Reference Agency (CRA) weights this will also make a difference to how your score is calculated.

The following will help put you in the best position possible:

- Having your name on the electoral roll

- Reporting your rent payments through CreditLadder

- Paying your bills on time

- Credit utiisation (how much of your available credit you use)

- How much credit history you have.

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