To rebuild your score you’ll need to use your credit sensibly, never missing a payment and always staying within your credit limit. For tips on how to rebuild your credit rating take a look at our improve credit rating guide. In the meantime, you can use cashback cards to get a small reward for repaying in full every month while you work towards rebuilding your credit rating. Added extras are also available with these cards to give you a pat on the back for paying your balance off in time. Another way to improve your own personal credit is to enter into a joint financial commitment such as a loan with someone who has a good credit rating, such as a spouse. Both of you would then be responsible for meeting the obligations of the commitment (like repayments). It is not advisable to enter into an arrangement like this with a housemate unless you are comfortable and confident each of you will be able to make the repayments. You could either damage someone else's credit rating through no fault of theirs, or they could damage your rating. Neither is ideal for someone you are living with. Find out how to build your credit score using a credit card.