We all know that having as healthy a credit score as possible is crucial to leading a happy and healthy life. You may not have put too much thought into what a credit score constitutes or what impact it has on your life but if your credit score is poor, you may struggle to achieve the things you want to do in life.

Thankfully your credit score will not have any impact on your ability to obtain a guarantor loan, which makes this a great option for people who are looking for an immediate financial benefit. However, you will find that taking steps to improve your credit score makes sense, so you should look to take these steps in improving your credit score.

• Make sure that you are registered to vote at your old address
• Remove any ex-partners who you are no longer linked to
• Pay off and then destroy old credit cards
• Pay all of your bills in full and on time

Thankfully these are all simple steps that can be easily achieved and you would be surprised at the impact you can have on your credit score. It is vital that you don’t think everything will change overnight, you need to be patient in looking to improve your credit score, but taking these steps will definitely help you to move in the right direction.

Make sure that you re registered to vote from your current home

You may not think that something as simple as where you are registered to vote, if you are registered at all, would have an impact on your credit score but it will. This is why you should always take the time to make sure that you are registered at your current address. This can be done very quickly by contacting the local council so make sure that you take this step.

You should also look to make sure that you are not linked or connected to any ex-partner if you no longer have any financial links with them. It may be that your credit score is poorer through no fault of your own. Your credit report may not always be correct, errors can happen so make sure that you take the time to check out the report and verify everything that is on there is accurate.

It makes sense that you should look to pay all of your bills on time, and if you are looking to consolidate your debts, taking out a guarantor loan can make a massive difference. There is a great deal to be said for taking a range of small steps, and this should help you to improve your finances in the long term.