Whether you like it or not, your credit score is important. Want a credit card? Check your credit score. Want a mortgage? Check your credit score. Whatever way you look at it, your financial life is dictated by these three numbers. A good credit score is generally seen as being 670 or above. So, don’t sit around wasting time if you’re not there yet. Use our everyday hacks to improve your credit score.

Automate your payments

It’s simple – don’t miss your payments. You can make a standing order with your bank to make sure you’re prompt with payments. Alternatively, set a monthly reminder on your phone if you want to manually make payments.

Have a few lines of credit

When you have multiple open lines of credit – and they are being used correctly – credit agencies begin to take notice. It’s a sign of trustworthiness and organisation. Two or three is the sweet spot.

Use all your cards

Some people think the lower their credit card utilisation is, the better – they’re wrong. Using your credit card is a vital part of proving your responsibility to credit agencies. Don’t get yourself into debt making big payments, just make regular smaller payments – the kind of things you might normally make in cash or whack on your contactless debit card.

Balance out your cards

Make sure that your credit cards are levelled-off at all times. If you have one card that is looking a bit low, top it off with another one. Managing your credits by switching balance from one card to another shows financial maturity.

Pay off, don’t close off

Around 15% of your credit score is decided by the length of your credit history. If you close your old accounts you can shorten the time and affect your credit score. So, pay them off, don’t close them off.

Take out a credit builder card

If you haven’t had the opportunity to build up a credit score yet, or you’ve got a less than perfect score, take out a credit builder card. These are real tests: they have low credits and high interest rates, so manage this right and you’re onto a winner.

Piggyback on someone’s credit score

Adding yourself onto a credit account of someone with a good rating (with their permission!) is a great way of improving your credit score. It proves you are trustworthy with money. This is usually best to do with a partner or family member.

Up your credit limits

Don’t panic, we know this sounds crazy. This is actually a very effective way of lowering your credit utilisation and improving your credit score. Here’s how it works: you use £300 each month on your credit card but have a limit of £600, your credit utilisation is 50%. If you increase your credit limit to £900, your credit utilisation drops to 30%. Just don’t be tempted to splash out.

The three numbers that make up your credit score have a massive effect on your life, so it pays to improve it as much as possible. We’re sure that if you follow our credit score hacks, you’ll be on track to more approved financial applications, lower interest rates and a richer financial life.

In the meantime, rest assured that My Car Credit is on hand to help you with poor credit car finance – a successful application and maintained payments can even improve your credit score over time!

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating


  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed


  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs


  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit


  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past


  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan

X monthly repayments of

Typical rate

Loan amount

Total payable




*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!