Has anyone here improved their credit rating?

[Snoutthematter]

DH and I are currently saving for our first house. I am currently debt free (apart from a few hundred on a credit card which I got specifically for improving my credit rating) after paying off £15 worth of debt through a DMP.

My current credit score is 'fair' and the DH's is at the higher ends of 'very good'. We've decided to save for the next two years, giving me a bit of time to improve my score, but I wondered if anyone had seen a change in their score and how long it took??

Watching with interest! I am on experian for this reason!

Mine changed from around 600 to over 900 in 3 months

Also watching with interest.

Noarmani - that's awesome!! Mine's currently 790 on Experian which put me in 'fair' and I want to try and get into 'good' - did you do anything specific regards improving?

do you have to pay to see your experian rating?

I very recently passed a credit check through experian after thinking I had a poor credit history. It was always ok then after living at one particular address I got refused credit.

so now I'm wondering if its good again?

well I just signed up to the free trial (must remember to cancel) and while I can't see the full report until I get my pin through the post, I could look at the basic bits.

I couldn't see the number, but the dial thing puts me just over halfway in the good section.

I am amazed and pleased!

it says 'good' but that I can't see details until I can enter my pin.

now im worried ive jumped the gun.

can anyone who signed up online tell me if they could see that bit (which band it was in) before they got their pin?

Amber - yes, mine said fair even before I got my pin, so I think they allow you to see that

thanks

having just read the email from them it does say that while you wait for your pin, you can see your credit banding.

so im back to feeling amazed and pleased