How to Improve Your Credit Score UK 2026
The Most Impactful Steps
1. Register on the Electoral Roll — takes five minutes and can add up to 50 points.
2. Reduce Credit Utilisation — keep usage below 25% of your available limit.
3. Pay Everything On Time — set up direct debits for at least the minimum payment.
4. Keep Old Accounts Open — length of credit history matters.
5. Limit New Applications — space applications at least three months apart.
Score Improvement Timeline
| Action | Time to See Impact |
|---|---|
| Electoral roll registration | 4 to 6 weeks |
| Paying down balances | 1 to 2 months |
| Consistent on-time payments | 3 to 6 months |
Credit scoring varies between agencies. Individual lenders use their own criteria.