I’ve been using ClearScore for about a year, mainly to check that the details held on me are accurate. Initially I found and corrected a few issues that were either missing or out of date, and that’s helped to improve my score from 484 to 558.
What I don’t understand is what’s needed to (theoretically) max out my score. The ‘Factors on your report’ section highlights 11 positive factors and 0 negatives:
You have no Court or Insolvency data
You have no accounts in Default or Repossession
You have been on the Electoral Roll at your current address for a long time
You have made very few applications for credit in the past year
You have held at least one of your accounts for several years
You have very few / no accounts in arrears
Your largest credit card limit is relatively high
You have stayed within your credit card limit in the past year
Your total credit card % utilisation is relatively low
You have very few / no secured loans or mortgages that have been in arrears
Your current Telecoms balance is relatively low
So I guess I’m asking what factors others have that might improve my ‘score’?