Building and maintaining a good credit rating doesn't happen overnight, so you cannot instantly repair or improve it. However, follow the tips below and over time you should see that your credit rating has improved:

• First and foremost, make sure that all your payments are made on time. If for any reason you miss a payment, make sure that you pay it as soon as possible - definitely no later than a month overdue.
• Keep the outstanding balance on your debts low. A high outstanding balance could negatively affect your credit rating, even if your record is otherwise 'clean'.
• Check out your credit report regularly (the major credit reference agencies are Equifax, Experian and CallCredit plc). Make sure that all the information on it is up to date and contact the relevant company if you see any errors.
• Check that you are on the Electoral Roll - this is proof of where you live to potential creditors and if you aren't on there, It will have a negative affect on your rating. Check with your local council.
• If you are suddenly unable to meet the repayments on your debts due to unemployment, illness or family issues, then call your creditors straight away. They will be sympathetic and should be able to work a repayment schedule. Also try contacting one of the free advice centres available for people in financial trouble such as the Citizens Advice Bureau or the Consumer Credit Counselling Service (CCCS).