If you're anything like me, then the chances are your credit score is less than perfect. I was definitely too frivolous with money when I was younger, which has affected me as an adult. In the past the need for a new dress or a night out was strong and I did go for getting money in various ways , which has resulted in a dented credit score.
However lately, now that I am more of a grown-up I am starting to look at ways to improve this - and luckily there are different ways to do this!
One great way to do this is to apply for a credit card - although you have to max sure you resist the temptation to go shopping. When you get a card, make small spends on this and then pay off the balance each month. This shows that you are responsible with money and gets reported back to your credit file.
Take Out a Loan
In a similar way you can take out a loan and make the payments this way. Of course, it is important that you don't borrow more than you can afford to pay. Ensure that you use a responsible lender such as Cash Lady as then you know you are borrowing from a reputable firm.
Don't Take Out Too Much
Don't be tempted to apply for lots of credit, particularity if you start to get turned down for credit. Each application you make for credit shows on your file and this can have a detrimental affect on your credit file in general
What would you do to improve your credit?