Editing Credit Score With Experian

[AB Editor]

Afternoon,

I am spending my bank holiday helping a family friend get their credit score. We've got it and it's a "fair" score.

Is there a way to clear up items on the report, to improve the "score"? She has a couple of missed credit card payments (by a day!) and because she is a sole trader the % of borrowed available credit it probably higher than it might be if she had separate business accounts.

So, is there a way to do some tidying up? All suggestions/advice welcome.

[RATTER15]

I think the only way to improve a credit score is to maintain all payments on time unless of course there are mistakes on their records.

[Purple_Popple]

Check any existing credit cards and accounts have been officially 'closed'.
Check for 'associations' on the credit file - if she has an ex partner whom she may have lived with - even if a partnership has dissolved their credit score can affect your own.

[AB Editor]

Associations are all fine. I was hoping for a "here's why this was late, can we forget about it please" form!