Yes, of course you can always improve your credit score. If you have always been diligent and able to make your monthly payments on time and in full every month for all your current commitments, the chances are your credit standing is already good.
If you have damaged your file along the way by missing payments, or making late payments or changing address several times within a short space of time, these will all normally have a negative effect on your score.
If you keep up to your repayments and settle at one address a little longer and join the electoral roll, over time, you will see your score improve dramatically.
Your credit score can make or break your chances of getting approved. It’s still a numbers game but the good news is that you can always up your game given the right mindset for money. Yes, of course you can always improve your credit score. In fact, you wouldn’t have a poor score if you were diligent and able to make your monthly payments on time and in full every month for all your current commitments. Over time, you will see your score improve dramatically. This can be checked and they do offer a free-of-charge service that will allow you to look at your file once.
Consistency is key to achieving an impressive credit score. It does not just keep track of your current credit behavior but your entire credit history as well. I wish to suggest that people continue to make the payments in full and on time every single month. Remember to always keep your credit balances down and low. This is bound to boost your score and will then allow you after a year to look to refinance. Make sure that you save your scores every year and get it to improve enough to enhance your APR. It doesn’t hurt to contact your current lender and ask them if you can improve your APR.