Get your facts straight
“When applying for loans and services, it’s important that you enter the correct data such as your address, name and salary.
“Any mistakes here could be mis-read as fraudulent. Getting on the electoral register is also a good way to prove where you live.”
Cards are king
“As cash payments are more difficult to track, making payments via card enable credit searchers to more accurately assess your spending habits.”
Keep on top of credit
“We all need to use credit from time to time, whether it’s a loan, credit card or Buy Now Pay Later service.
“Make sure you keep on top of when interest rates kick in – and how much by – so that you’re not hit with surprise fees, charges and kicks to your credit rating further down the line.”