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SUN SAVERS
And where to get some Cadbury Dairy Milk Big Pots of Joy dessert for less
All recommendations within this article are informed by expert editorial opinion. If you click on a link in this story we may earn affiliate revenue.
- Mel Hunter
LOOKING to boost your credit score so you can access better borrowing terms?
Having a decent rating is important if you want to take out a mortgage or credit card.
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Improve your prospects by following these top tips.
CHECK YOUR REPORT: There are three main credit agencies: Experian, Equifax and TransUnion.
You can check your report for free with Experian, while your Equifax and TransUnion files can be viewed for free through ClearScore and Credit Karma.
Check all three agencies as your score may differ.
READ MORE MONEY SAVING TIOPS
REGISTER TO VOTE: Being on the electoral roll can boost your score as it helps banks verify your identity.
With Experian, it can lift your rating by 50 points.
It only takes a few minutes to register.
Visit gov.uk to find out how.
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GET A DIRECT DEBIT: If you pay a bill manually each month, consider setting up a direct debit.
It shows you are financially reliable and removes the risk of forgetting to make a payment, which can damage your credit score.
TIDY UP YOUR CREDIT: Keep credit card balances to no more than 30 per cent of their limit to show lenders you are not over-reliant on credit.
James Jones, of Experian, says use spare cash to reduce balances and avoid applying for several deals at once as it makes you look financially desperate.
CHECK FOR ERRORS: Court judgements or credit defaults could reduce your score by 250-350 points.
If one was registered unfairly, such as if you missed a bill when moving house, challenge it through the lender or court.
Companies can also make errors.
If you spot something on your report that isn’t right, ask for it to be removed.
BREAK FINANCIAL TIES: Joint accounts show on your credit report and link you in lenders’ eyes.
This means the other person’s credit history can affect your score.
If they are being financially irresponsible, it’s best to cut ties.
- All prices on page correct at time of going to press. Deals and offers subject to availability.
Deal of the day
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STAY cosy with the teddy- bear mattress enhancer from Dunelm, down from £18 to £12.60 for a single.
SAVE: £5.40
Cheap treat
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SHARE the yum with Cadbury Dairy Milk Big Pots of Joy dessert, down from £2 to £1.50 at Asda.
SAVE: 50p
What's new?
NEW TopCashback members can get £15, plus earn cashback on their purchase, when they sign up via topcashback.co.uk and spend £15 or more at thousands of retailers on the site.
Top swap
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PERK up your home with Dulux Walls & Ceiling matt paint in Blue Babe, £20, or go a shade lighter with Turner & Gray matt emulsion in Sky Blue, £10, both 2.5-litres and available at
SAVE: £10
Little helper
USE a Nectar card to get a 25-pack of Pampers Baby Dry Nappy Pants for £4.95 instead of the usual £10 at Sainsbury’s
Shop & save
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A PERFECT pout just came down in price with Revlon’s Super Lustrous lipstick reduced from £7.49 to £3.74 at Boots.
SAVE: £3.75
Hot right now
PLAY spin and win on the Burger King app from tomorrow until February 4 to win dishes and extra loyalty points.
PLAY NOW TO WIN £200
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JOIN thousands of readers taking part in The Sun Raffle.
Every month we’re giving away £100 to 250 lucky readers - whether you’re saving up or just in need of some extra cash, The Sun could have you covered.
READ MORE SUN STORIES
EverySun Saverscode entered equals one Raffle ticket.
The more codes you enter, the more tickets you'll earn and the more chance you will have of winning!
