Now that we have a clearer idea on what a credit score is judged on, Flavius shares her top tips on what can we actually do to improve it:

Access your credit report to look for any errors or areas of improvement (being on the electoral roll will improve your score).
Do not miss payments – if you anticipate that you will be delayed with a payment, speak to your creditor, let them know what is going on, they may be able to help.
Be patient. As you continue to make regular payments and avoid missing payments, your score will start to improve.
Create a budget to ensure you can afford your commitments.
Allow some time between applying for new credit. Many people fall into the trap of repeatedly applying for credit in a short period of time, which can show up on your credit history and raise a red flag to lenders. Also, if you are about to make an application for something major, such as a mortgage, do not apply for something else immediately before.
Be kind to yourself, be patient, continue working to improving your score. It will improve, and you will gain access to better deals. It may take time but you’ll get there.

Why do I have a bad credit score? Experts explain everything you need to know