@Devlesko
I've just checked mine and the following are the criteria they mention.
Court data
There are no County Court Judgments (CCJs) or bankruptcies on your Experian Credit Report.
Missed payments
You have no missed payments – well done.
Debt to income ratio
Your debts are a relatively low proportion of your annual income, so you're in good shape. Lenders are likely to be confident in your ability to repay them if they lend to you.
Credit utilisation
You're using quite a low proportion of the credit available to you. This is usually good, as lenders are likely to be reasonably confident you'd be able to pay them back if they lent to you.
Credit applications
Too many credit applications in a short space of time can make it look like you're desperate for cash. You've made none or very few in the past six months, which is likely to be seen as positive.
(Do note using Credit Club is not the same as applying for a product. We use a soft search - even though you will see it on your report, lenders usually don't – and where they do they can't use it - so it doesn't impact your ability to get credit.)
Account stability
How long you've a bank a/c and/or credit history
Employment status
They don't like it if you're unemployed
How to boost your creditworthiness
Well done. You’ve a good Experian Credit Score, meaning you’ll be attractive to most lenders (see how credit scoring works for more). To take those extra steps to get an excellent score, see our 37 Credit Boosting Tips. Here are some top tips to start...
Register to vote. If you're not on the electoral roll, it's unlikely you'll get any credit, so sign up immediately. Don't wait for the annual reminder. See a full explanation, and how to get on the electoral roll.
Be accurate and consistent when entering your income. Lenders may verify this, and if it's wrong, you may be auto-declined.
Beware joint mortgages, loans & bank accounts. If your credit report is linked to someone else, lenders can see their history when you're assessed, so be careful if they've a bad history. Linking isn't about whether you snog or live together, it's simply from joint mortgages, loans, bank accounts and sometimes utility bills (not credit cards, they're second cardholders not joint).
If you've split with someone you were once linked to, see how to delink your finances.
Don't withdraw cash on credit cards. It's expensive & lenders see it as evidence of poor money management. See Is it different for special overseas cards?
Check for address errors. Sounds trivial but isn't. An old, technically active but unused mobile registered to your old address has been known to trigger a mortgage rejection.
Beware payday loans - they kill mortgage applications. Some mortgage underwriters simply won't lend to anyone who's had one. See our free First-Time Buyers' or Remortgage Booklets for more help.
Be consistent. Fraud scoring is credit scoring's secret cousin. If you've a couple of mobiles or job titles, use the same one every time you apply or it can be flagged up as odd. See fraud scoring info.
Get unfair defaults removed. If there's one on your report (e.g. you didn't pay a catalogue loan as it failed to deliver the goods), get it removed or it can be a killer. For how, see Remove unfair defaults help , and even if it's fair, see how to mitigate the damage from defaults.
For more help read our 37 Credit Boosting Tips guide
The above is from Money Saving Expert.
You can also use Experian.
Be consistent about your addresses and when you moved - if you're not sure - check tenancy agreements/mortgage etc.,