I've just done the soft search on MSE on my credit score and it's 866, so Fair. DH has credit cards etc and his score is 993 the jammy bugger 
I have no defaults, no outstanding debts except the water bill which is paid on time every month, nothing showing up on my report that is bad in any way... and yet my score is so low :( I was in my overdraft a bit when I was a SAHM but it was only a £250 overdraft, never went over it and am now out of my overdraft now I'm working. DH pretty much lives in his overdraft so I'm even more jealous of his score!
Do I need to get a credit card to boost my score? I have ADHD so I can be financially impulsive (although I've managed to rein it in without doing any damage so far!) and I'm worried that if I had a credit card I'd be putting our family's finances at risk. Does store credit count as credit? So if I take out finance on a purchase that I need to make (laptop from PC World), does that improve my credit score if I pay it back on time every month?
We are looking to start saving for a house so I would like to improve my credit rating as much as possible.