Hello everyone, I've recently signed up to a credit-rating website to look at my record and credit score. My rating has been reported as 498. About 6 years ago, I split up with my partner and found it very difficult to pay bills etc. Stupidly, I ignored the demands, only paying the minimum on the final, final demand. This went on for a few months before I moved into very cheap houseshare and began to get back on an even keel. At that time, I was permanently up to the limit on my overdraft and credit card, owed on a storecard and had a car loan. I am now firmly (£1500+) in the black in my current account, fully paid off my credit card and no longer use it, paid off and do not have store cards and paid off my car loan four years ago. I now have a car finance, paid monthly, and have a perfect record of payment. I pay my car insurance annually and my mobile phone contract monthly. Now, given my past record, I didn't expect a perfect score, but 498 seems particularly low! The credit report was all correct and there were no surprises, just a series of green ticks to show that I have met every payment for my credit commitments over the last 12 months. I'm going to be looking into getting a mortgage in the next year or so. What can I do to improve my credit rating and get the very best interest rates (or get a mortgage at all!)?