If you are using your card every month, make sure you are paying it off in full the following month.

It is actually better to have several cards with small amounts than one card that you max out.

Potential lenders are looking to see whether you are financially stable. Show that you have either worked or lived somewhere for a period of time.

Is anyone else, or a partner, linked to your credit history? Do you have shared utility bills, bank accounts or mortgages?

Separate your credit accounts and bills.

Check your credit reference through agencies such as Equifax, Experian or Callcredit, and ensure your credit reference file is up to date.

Take out a contract that requires a monthly payment. A landline or mobile is a good example of one that can be used to boost your rating.

Your credit rating could be impacted if you take a payment holiday.

Get a voting history - registering on the electoral role will help with establishing your identity to lenders and demonstrate stability.