The simplest way to make your repayment history work for you, and improve your credit score is to
Make All Payments In Full – make a full payment every time, and never less than they should be.
Pay On-Time – ensure all repayments are on time and never late.
We understand this may not be possible, so consider
Loan Consolidation – if you have multiple expensive loans/credit cards or overdrafts, you may be able to reduce your total monthly credit costs by consolidating all into one cheaper loan*.
Credit Cards – if you have credit cards, pay a little over the minimum monthly payment.