Key factors affecting your UK credit score include: 1. Electoral Roll Registration - Being on the electoral roll at your current address can significantly boost your score. - It helps verify your identity and stability. 2. Credit History Length - A longer history of managing credit responsibly improves your score. - Even if you're young, having some credit history is better than none. 3. Credit Utilisation - This is the proportion of your available credit that you're using. - Aim to keep this below 30% for a positive impact on your score. 4. Payment History - Consistent, on-time payments boost your score. - Late or missed payments can have a significant negative impact. 5. Number of Credit Applications - Too many applications in a short period can lower your score. - Each application typically leaves a 'hard search' on your credit report. 6. Types of Credit - A mix of different types of credit (e.g., credit card, personal loan, mortgage) can positively impact your score if managed well. 7. Financial Associations - If you have a joint account with someone, their credit history can affect yours. 8. Public Records - County Court Judgments (CCJs), Individual Voluntary Arrangements (IVAs), or bankruptcies significantly impact your score negatively. Remember, different CRAs might weigh these factors slightly differently, but these are generally the key areas they consider.