Money Box Money Box Live: How to Improve Your Credit Score
Aug 19, 2025
John Webb, a credit expert at Experian, and Lisa Webb, a senior lawyer and consumer champion at Which?, dive into the often confusing world of credit scores. They discuss critical factors affecting scores and the importance of checking credit reports for accuracy. Hear a gripping tale of someone fighting to fix their score after fraud, alongside essential tips for building and improving credit. They also cover strategies for facing credit challenges and the significance of timely payments. Tune in for practical advice that can help shape your financial future!
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What A Credit Score Represents
- A credit score is a single number that summarises the data on your credit report.
- That number reflects roughly how a lender might view your credit history over about six years.
Protect Your Score With Timely Payments
- Do make payments on time and avoid high credit card balances to protect your score.
- Avoid applying for lots of credit in a short period because multiple searches can lower your score.
Get Your Free Credit Report
- Do check your credit report for free from any credit reference agency; you have a legal right to it.
- Consider paid services only if you want extra detail beyond the statutory free report.