Get and check you credit file – You can’t mend it if you don’t know what is broken. So you need to get hold of a copy of your credit file by contacting one of the two main Credit Reference Agencies. Check it and see if what is counting against you is true.

Cleaning your credit file – If there are missed repayments or Default Notices, Termination Notices, and CCJ’s on your file, if possible, get them removed.

If the negative aspects of the file have come from association with a friend or family member, an ex-spouse or even a possible fraudster. You will need to get a Notice of Dissociation from the Credit Agencies.

If you can afford to pay off any or all of the bad debts on your file do and make sure you tell the Credit Reference Agencies they are paid.

Get credit, spend and repay it – OK it sound strange I know but it works. There are credit cards for designed for people with average credit ratings. Get one and start spending what you can afford to pay back. Set-up a Direct Debit and make sure there are funds in place to clear the repayment.
 

go to capital 1 you will be given a card with a limit of 200 on it now use this for 6 month but make repayment on time! 1s you have shown you can do this they will increase your limit but do not do this keep running your card the same aft 9 month your file should have built up a little DO NOT APPLY FOR MANY CARDS THIS WILL LOWER YOUR SCORE look to other cards with medeoka apr 19 th 21 % not 14% or lower you will not get it hope this helps