Re-consider, if a joint account with your partner is the best option. If they have bad credit history, this will drag you down and affect your chances of getting credit.
If you are applying for credit and are rejected, don’t rush into the next application. Spread applications out or you might seem too desperate to gain credit.
Close old accounts and keep new ones up to date. Old catalogue or mobile phone accounts that you haven’t used for years might still be listed as active. Close them down, if you don’t need them anymore.
If you notice mistakes on your credit report, make sure to correct them. Contact lenders and companies you’ve had credit with and ask them to correct mistakes. Should they refuse to amend any mistakes on your credit file, contact an ombudsman.
Small things like a landline telephone number can make a great impact on your credit rating as it shows your potential lender that you are loyal and reliable.
If you want to build your credit score, using a credit card for small purchases and paying your balance off every month might be an option that you want to look into. It can help prove your reliability to possible lenders.
Lastly, use the chance to inform potential creditors about reasons for periods of bad payment by adding a notice of correction.