Credit rating and ways to improve it (Barclays customer service)

It is always important for one to have a good credit rating. This is because it is what the credit score is what will be used by lenders to assess the risk offering you credit. The information on your credit report is what will be used to calculate the credit rating. Such information includes your recent address history and also any loan balances or credit card outstanding balances that you may have. If you want to receive anything from your lenders, then it is imperative to ensure your credit score is better and high. There are a number of ways that one can improve this credit rating. This include;

Get yourself organized

You will need to keep yourself up to date and timely on schedule with any loan which may be existing. You need to be well aware of all your credit card payments since these are the ones which will show that you are a person who can be relied on to be lend to. The reason why you are required to keep watch of this information is because regular payments such as Direct Debits normally give out information to these credit agencies about your habits. If they are not good ones, then you will miss your chance of being offered any credit as these agencies will be afraid to risk with you. If you make your payments on time and in full, then you will be proving that you are a person who is good at managing your money.

Make amendments on your credit report

To be able to do this, you should ensure you contact a credit reference agency. There are a number of agencies such as call credit, Equifax or Experian among others. Contact them and get a copy of your credit report. This one comes with a small charge and you will also need to provide some information about yourself. For instance, you need to provide your contact details including your full name and your address for the last 6 years. Once you have it, check it thoroughly and take note of the mistakes which you may find. If there are any inaccuracies in the reports, then you can make appeals to have them corrected.

Increase your score

There are quite a number of things that one can do in order to improve your credit score. The first step to this journey will be paying all outstanding debts that you may have. If there are any unpaid credit or county court judgments, these will reflect on your file for about 6 years. The good thing is that once you have paid them off, then it will be marked as settled. The next thing will be to use credit in a sensible way and thus show that you are a responsible person.

Here is a list of the best customer services that you can contact:

  • Janet Wells
    I never give up. I like French fries and Belgian waffles.

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