Understanding how your credit history is compiled will help you to avoid situations which may result in you earning a negative credit history. There are simple things you can do to keep your credit history clean Bad Credit History

• Pay your bills on time - avoid making late payments on any debts
• Do not miss payments or default on a debt - this includes your council tax
• Pay credit card bills off in full at the end of the month
• Do monitor your accounts for identity theft
• Make sure you fulfil financial contracts or commitments as failure to do so may be reported to credit reference agencies
• Try not to change address or job too frequently as this can affect your credit history
• If you have defaulted on any debts make sure you clean up your credit history as soon as possible by honouring your repayment schedules
• Avoid bankruptcy