You are in the site Personal Business Log in Register Search Open Menu Building your credit score Your credit score could affect your life in all sorts of ways Whether you’re looking to get on the property ladder or simply applying for a loan, your credit score matters. The better your score is, the more helpful it could be with future plans. But there are a lot of myths out there – particularly around what it takes to improve it. Discover how to sort the fact from the fiction and keep your score moving in the right direction. Work on your credit score Answer a few quick questions in our Credit Builder tool and we’ll give you some simple, personalised tips to help improve and keep your credit rating in good shape. Try the Credit Builder tool Bust the myths about credit Make sure you’re aware of these common misconceptions about your credit rating and learn what you could be doing instead. Get the facts Understanding your credit rating There’s a lot to know about your rating and the ways it works. Here’s how it’s calculated, who gets to see it, and why it’s different to your credit score. Know your rating Boost your credit rating You might be surprised at how easy it could be – simply signing up to vote and checking your credit report regularly can be helpful. But there’s much more you can do. Get a boost How your credit score is calculated Find out what’s used by the credit reference agencies to work out your score. How it works Avoid a bad credit rating Learn how to steer clear of financial pitfalls that could impact your credit rating and get in the way of future plans. Avoid the pitfalls New to credit If you’re a credit first-timer, here’s a great place to start understanding how credit works. Start here Know how to check your score Find out where you can check your credit score and make sure it’s all in order. Check your score More ways to Get Credit Confident Head back to the Get Credit Confident hub for more tips and hints on shopping safely, planning ahead and managing your card. Back to the Get Credit Confident hub Find a Barclaycard Eligibility checker Find the right Barclaycard for you Cards for building your credit history Cards for balance transfers Cards for earning rewards Cards for purchases Tools and calculators Balance transfer calculator Repayment calculator Interest calculator Fraud fighter Credit builder Help and support Why get a credit card? Understanding interest Money worries Fraud protection FAQs Contact us We've fewer colleagues to speak to you in our contact centres at the moment, which is having an impact on call wait times - we're truly sorry about this. If you need to get in touch, please visit our contact us page. Download the Barclaycard app Barclaycard is a trading name of Barclays Bank UK PLC. Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676). Registered in England number 9740322. Registered office: 1 Churchill Place, London E14 5HP Barclays Bank UK PLC adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board. © Barclaycard 2021 Cookies We would like to collect data from your device while you use this website. We do this using cookies. You can find out more in our cookie policy. Collecting this data helps us provide the best experience for you, keeps your account secure, helps us provide social media features and allows us to personalise advert and service message content. Please select 'Accept all' to consent to us collecting your data in this way. To see other data collection options, select 'Preferences'. Preferences Accept All