Begin by obtaining and reviewing your credit report. This report shows your performance across various credit areas, including payment history, credit utilisation, length of credit history and recent loan applications. Understanding where you stand is the first step toward improvement.

Credit reports often contain mistakes that can negatively impact your score. Review your report carefully for any inaccuracies, such as incorrect payment records or accounts you never opened. Be sure to dispute these errors either through the credit reporting agency or directly with the lender. Both are legally required to investigate and correct any mistakes.

Payment history significantly influences your credit score. Ensure all bills, loans and credit card payments are made on time. Consider setting up automatic payments to avoid late payments in the future.

Keep your credit utilisation at a reasonable level. While having available credit can improve your score, using too much can harm it. Aim to keep credit card balances low and pay more than the minimum payment whenever possible. This shows lenders you can manage credit responsibly.

If you're new to credit or need to rebuild your score, start by using a credit card for small expenses and paying the balance in full each month. This helps establish a positive payment history while avoiding debt accumulation. Remember that each new credit application is recorded, so limit applications to necessary ones.

If you’re struggling with debt, make sure you let the lender know. Many lenders are willing to arrange payment plans or modify terms to help you stay current. This proactive approach can prevent negative impacts on your credit score and demonstrate responsibility to future lenders.