Lots of us take for granted how much a bad credit score can really affect us. It’s often assumed that having a bad credit score will only affect our chances of getting a mortgage or loan, but these days that couldn’t be further from the truth!

Credit checks are run even when we are buying a new mobile phone, which may sound extreme but that’s just the way it is now. If you have experienced rejection due to your bad credit score, I understand how frustrated you must feel. However, it’s not all bad because there is one successful way you can improve your score and this is by using credit cards.

Don’t let this idea scare you because it really is simple enough to do. Here are three easy steps to help set you on your way to a healthier credit score!

Get to know your credit report

First things first, you need to get to know your credit report. Don’t make any hasty assumptions of how good or bad it is because that won’t get you anywhere fast. Check your report before you begin. You can see it for free over on Clear Score. Other companies might try and charge you for it but there’s no point in paying money unnecessarily. Once you see it, you will know whether or not there are any mistakes on there so you can get in touch with the creditor to sort it out. Now you’ll be able to identify exactly how much action needs to be taken to repair it.

Out with the old and in with the new

You may notice some old accounts that you no longer use or cards that you have forgotton about. Close any accounts that you aren’t actually using because they could go against you. Alternatively you can decrease the limit to something more manageable if you feel like you want to start using it.

Keep it clean

There is no doubt that having credit card accounts on your file will work in your favour, but only if you actually use them and keep them clean. You can do this by avoiding going over your credit limit and avoiding late payments. It may be a good idea to may a small purchase each month and pay the full balance each month. Remember, any account well managed is an account constantly helping to improve your credit score. As long as you never lose control, you won’t lose any points, It’s as simple as that.

What are the best credit cards for bad credit? 

Has this article filled you with the confidence you needed to go out and improve your credit score? I hope so! Now the only question that remains is which credit card should I get?

Each credit card application you make will show up on your credit report, for that reason it is always best to complete a pre-application assessment. Remember guys, just because a credit card CLAIMS to be amazing at building your credit report doesn’t mean you should take their word for it.

Here are our top 3 credit card to build your credit score:

Marbles Classic Credit Card – 24.8% APR, £250-£1,200 limit

Aqua Classic Credit Card – 29.7% APR, £250-£1,200 limit

Vanquis Bank Aquis VISA Credit Card – 29.8% APR, £150-£1,000 limit

Compare all credit cards on my comparison with all the latest up to date credit card deals – Click here.


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